REAL VALUE » comparison

Quality of Life & Healthcare in Canada vs. United States

Marcus Assalone — Sat, 02 Apr 2011 05:15:07 +0000

As our Canadian dollar increases in value and property values in the United States drop, the excitement of Canadians looking to purchase property in the United States increases. Canadian buyers know about properties through-out the United States that could be a great investment vehicle suitable for retirement as well as recreation. The value out there at the moment is tremendous, and we should all take advantage of what we can. If you realize that you will not be able to lease your new property to local residents to generate an income stream, you will be fine. The same downward pressure on house prices is having a downward pressure on rent revenue as well. The only reasons I would recommend buying are for retirement and recreation, and that is it.

For sale right now in the beautiful city of Austin, Texas. This three bedroom, two bathroom house has a two car garage and is only four years old. The price - $115,000!

By now, I am sure you have heard about the homes that are available, for example in Houston, Texas, a beautiful six year old bungalow, four bedroom, two bath home sells for $120,000 something comparable here in the GTA would easily be $360,000! If you are just starting out, and don’t need such a luxurious home, the housing market in the United States has made it possible for a young couple to purchase their first home, a beautiful starter home, a three bedroom, two bathroom bungalow with a garage for around $50,000! I am not talking about a house that you have to throw hundreds of thousands of dollars to repair, they are almost new, ready for you to move right in. Search Realestatebook.com to see it yourself. Pick your city, then your price, and then call me when you see something you want to buy! The dramatic price differencial between homes in the GTA and those in the United States are so great that now when young couples meet with me often the options they are weighing are 1. buy a home here in the GTA, or else 2. move to the United States and buy with a much lighter debt-load with the aim being a hopefully better quality of life.

For many couples, it does look appealing, especially in the southern states which have their warm climate, friendly people, fresh food, as well as a familiar culture to ours. For Canadians, to get your work permit you need a job offer, but, there is not too much risk involved. You can send your job applications from Canada, to wherever you want to live. When you find work, there is not too much bureaucracy to stop Canadian citizens from starting their life in a U.S. neighbourhood. Out of the people I know, once their employment was confirmed, their visa came shortly thereafter and they were out of the country off to start a new life within a month.

A lot of my friends from school left for the United States many years ago upon graduation. It was a great opportunity to earn more money and be able to pay student loans back faster. Now, another wave of them are leaving, this time the opportunity is in the quality of life and the value you get in return for your money. However, not all things are the same as they are here. One of the many who were ready to leave Canada in the past year told me that he found a job in an area he and his wife wanted to live. As soon as he received his job offer, they started to prepare their things for the big move. One of the things they did was get a quote on health insurance. The day they got the quote, they called the agency to see if there had been a mistake, they also called two other agencies down there for similar quotes, just to be sure. However all the quotes were similar, that one piece of paper ended their dreams of living in the southern states. Health insurance in the United States is a lot like car insurance here. You choose your deductible and based on that, you pay a set monthly fee. In their case, they had a lot of deductible options, (one of the schedules is below) but, a $1,000 deductible would get them a monthly premium payment of $530.00 per month. Apparently that is a good deal. Suddenly, the quality of life debate became more like a lottery. It was too much of an expense for them, especially since he would be making slightly less money in U.S. Dollars and his wife’s employment status would not be certain for a few months. Now the questions they were considering were : Would they bother to get health insurance? Could they risk not having it? They were not a couple who go to the doctor that much, but they wanted to keep the option open if they felt it necessary. Another consideration was that they were planning to start their family very soon, medical costs with the expected children would be significant. So, my friend had the sad duty to call his would-be employer and break the news to them that he wouldn’t be able to accept the position.

Quality of life includes quality of healthcare. Image courtesy of DIAC Images.

Maybe its because I am a Realtor, but I always look at monthly payments and think what kind of mortgage it could get me. $530/month is kind of like a mortgage of $85,000. If I add that to the price of a nice Texas house, I get $200,000 which starts to sound more like a price one would pay in the outskirts of the GTA. So, if you are one of these many young couples comparing houses here to those you could buy in the U.S. remember: when you buy a house you are also buying the neighbourhood, and don’t forget a bit of the nation too.

This is why healthcare is such an important issue here in Canada. We are people who decided that health must come before all other considerations. I have heard it through-out my life so many times, that ‘without your health, you have nothing’ . Amenities make a neighbourhood a great place to live, and infrastructure makes a nation better. People can live without some amenities, and so prefer one neighbourhood over another. Can you live without some government programmes? This is an important question you must ask before you move to another country. Whether its roads, healthcare, ambulance, fire fighters or one of the many resources we enjoy maybe without noticing, they all contribute to a community. So, if you see a nurse please thank them for the work they do. That includes their work at keeping the value of our real estate elevated.

A sample Deductible / Monthly Premium schedule for health care for a young family in their early 30′s of two Canadian immigrants to a city in the southern United States.

Lifetime Benefit: No Limit Out-of-pocket Limit: Deductible plus $6,000 Office Visit Copay: $25

Deductible	Prescription Drug Coverage	Monthly Premium80% Coverage
$250	$10 Generic, $30 Preferred, $45 Non-Preferred	$758.00
$500	$10 Generic, $30 Preferred, $45 Non-Preferred	$643.00
$1000	$10 Generic, $30 Preferred, $45 Non-Preferred	$530.00
$1,500	$10 Generic, $30 Preferred, $45 Non-Preferred	$450.00
$2,500	$10 Generic, $30 Preferred, $45 Non-Preferred	$392.00
$3,500	$10 Generic, $30 Preferred, $45 Non-Preferred	$347.00
$5,000	$10 Generic, $30 Preferred, $45 Non-Preferred	$317.00
$10,000	$10 Generic, $30 Preferred, $45 Non-Preferred	$275.00

Cheers to the Real Estate Bubble!

Marcus Assalone — Sun, 26 Sep 2010 12:15:35 +0000

In the media there are steady reports of Canadian real estate being in a bubble. These reports usually compare the increase of sale prices to the increase of incomes or potential mortgage payments to rental payments. If these reports make you think about the value of real estate and how real estate is valued and can be devalued, that’s great. That is about all they are good for. In my opinion, you can lump these articles together with those emails you get from unknown sources promoting the purchase or sale of various stocks.

Image courtesy of Mike Licht, NotionsCapital.com

The truth is, in real estate the market is fragmented into small pockets, called neighbourhoods. The success of your investment is tied directly to 1. The desirability of that neighbourhood; that is the amenities and security it offers its residents. 2. How well you have taken care of your property. These two elements will go up and go down, but the combination of these two factors will determine the value of your real estate investment. All neighbourhoods are different and respond differently to economic events. These articles lump entire nations, or provinces or cities together in one group. The usefulness of this generality is zero. If you read an article that says house prices in your specific neighbourhood are falling due to the garbage incinerator that is being built next door, that obviously is a different story, you may want to pay attention to that one. When they make general statements or talk about the average house, do your own investigations before you start panicking.

Last month the Canadian Centre for Policy Alternatives put out an article called Canada’s Housing Bubble. I have to admit, it’s the best article I have seen on the subject, the research is well done. Even they must admit that there is no way to tell if a bubble is approaching, so the article concentrates on historical bubbles in Canada, what they looked like and their effect on the market. The article is attached to this one if you have time to read it; it’s the only ‘Doomsday’ article you should bother with.

There is no doubt that demand in Toronto is slowing; young people are buying smaller homes that they would not even have considered 2-5 years ago. These are good things as long as you are aware of them. Ask your realtor about the trends that are happening in the marketplace, and all the options available to you. What I have been seeing is the market is starting to polarize. There are homes with highend finishes, without any flaws, that are selling well and then there are the houses that when you leave you can’t help wondering why the owner doesnt just knock the house down, these are not selling well, or for considerably less money. Remember when you see average sale prices, it lumps these two houses together.

When buying real estate, you need to be careful; there is no doubt about that. You need a realtor to check that previous sales are in line with what you will pay. Buying right is the secret to sleeping well at night. Its so easy to buy, all you have to do is sign over the money. Selling is another question. If you want to bubble-proof your investment all you have to do is buy at a reasonable price in a good area. Don’t get swept up in the emotions and the hype. You want a realtor who will keep you grounded, if you are looking for one like that, I am here for you, contact me any time.

Canadas_Housing_Bubble - article published by Canadian Centre for Policy Alternatives – August 2010

Home Listing Report 2010

Marcus Assalone — Wed, 22 Sep 2010 17:58:05 +0000

COLDWELL BANKER REAL ESTATE ISSUES HOME LISTING REPORT OF MOST EXPENSIVE AND AFFORDABLE U.S. HOUSING MARKETS

Newport Beach, Calif., Tops Most Expensive Housing Market List; Detroit is Most Affordable Market

PARSIPPANY, N.J. (Sept. 22, 2010) – Coldwell Banker Real Estate LLC today released its Home Listing Report, a snapshot survey of U.S. four-bedroom, two-bathroom home listings, which found a $1.7 million difference between America’s most expensive and most affordable housing markets. Newport Beach, Calif., led the list of most expensive real estate markets in America, with an average home listing price of approximately $1.83 million for property listings meeting the subject home criteria. By contrast, America’s most affordable housing market was Detroit, Mich., with an average home listing price of approximately $68,000.

The Coldwell Banker Home Listing Report (HLR) is the brand’s latest development designed to provide comprehensive information on real estate data from around the country for homebuyers and sellers. The HLR provides the average home listing price of more than 18,000 four-bedroom, two-bathroom properties on coldwellbanker.com that were listed between February and August 2010 from nearly 300 select U.S. markets where Coldwell Banker Real Estate has a presence. The U.S. average for the surveyed listings was approximately $353,000. Markets included in this report were required to have at least six properties fitting the above criteria within the relevant timeframe.¹

Known for its sandy beaches and historic Balboa Pavilion (established in 1906), Newport Beach, the most expensive market, has been

Newport Beach, California. Photo courtesy of Travis

the backdrop to numerous television shows including “The O.C.” and “Arrested Development.” Detroit, the most affordable market, is the only major U.S. city that looks South to Canada. Residents of the Motor City take great pride in Red Wings hockey and appreciate the city’s hard-working industrial and automotive history.

“Coldwell Banker Real Estate has released national real estate market reports annually for many years to provide consumers with insight into local market conditions,” said Jim Gillespie, chief executive officer, Coldwell Banker Real Estate LLC. “Our study shows that homeownership in the United States is generally affordable, with nearly 30 percent of the studied markets averaging $200,000 or less for a four-bedroom, two-bathroom home – a size many buyers aspire to own. Today those who have the financial resources and a desire to move up to a larger home have a unique opportunity to take advantage of historically low mortgage interest rates coupled with comparatively lower prices and greater selection.”

2010 Coldwell Banker U.S. Home Listing Report – Highlights

America’s Most Affordable Markets: In addition to Detroit, America’s most affordable real estate markets are as varied in culture and trivia as they are in listing price ranges:
- Grayling, Mich., is home to many top cross-country skiing destinations.
- Sioux City, Iowa, has been recognized as a top U.S. economic community for areas between 50,000 and 200,000 people.
- Cleveland, Ohio, is home to the Rock and Roll Hall of Fame.
- Muncie, Ind., has gained notoriety for its successful prep sports programs.
- Norfolk, Neb., is home to many healthcare and manufacturing companies.
- Kansas City, Mo., is just behind Rome, Italy, for the largest number of fountains in a city (more than 200).
- Canton, Ohio, is home to the Professional Football Hall of Fame.
- Port Huron, Mich., features the School of Strings, which presents over 50 concerts a year with its Fiddle Club, Faculty and Student Ensembles.
- Topeka, Kan., was once temporarily renamed “Topikachu,” in honor of the Pokémon franchise.
Homeownership Affordability: In total, there are 85 U.S. markets in the HLR with average reported listing prices less than $200,000. There are 183 markets (out of a total of 296 surveyed) that are less than $300,000.
Great Midwest: Michigan has three markets on the most affordable housing list (Detroit, Grayling and Port Huron), and all 10 of the most affordable markets are in the Midwest.
Low Monthly Payments: Put in perspective, a $200,000 30-year-fixed mortgage at a 4.5% rate could cost a buyer a relatively low monthly mortgage payment of just above $1,000. The average $68,000 four-bedroom, two-bathroom home in Detroit could average less than $350 a month.
Pacific Paradise: Out of the 10 most expensive real estate markets, six are from California: Newport Beach, Palo Alto, San Francisco, La Jolla, Pasadena and Santa Barbara.
Above $750,000: The survey included 25 housing markets where the average listing price for the subject home was more than $750,000, including 10 markets whose average listing price exceeded $1 million.

TABLE 1 – TOP 10 LISTS
The top 10 most expensive and most affordable real estate housing markets in the 2010 Coldwell Banker U.S. Home Listing Report are:

Rank	Most Expensive	Avg. Listing Price for Feb. – Aug. 2010 In U.S. $	Most Affordable	Avg. Listing Price for Feb. – Aug. 2010 In U.S. $
1	Newport Beach, Calif.	$1,826,348.00	Detroit, Mich.	$68,007.00
2	Palo Alto, Calif.	$1,479,227.00	Grayling, Mich.	$84,625.00
3	Rye, N.Y.	$1,325,500.00	Sioux City, Iowa	$85,967.00
4	San Francisco, Calif.	$1,325,103.00	Cleveland, Ohio	$87,240.00
5	La Jolla, Calif.	$1,210,300.00	Muncie, Ind.	$100,314.00
6	Greenwich, Conn.	$1,195,614.00	Norfolk, Neb.	$107,814.00
7	Wellesley, Mass.	$1,080,458.00	Kansas City, Mo.	$112,449.00
8	Pasadena, Calif.	$1,043,683.00	Canton, Ohio	$114,325.00
9	Honolulu, Hawaii	$1,026,821.00	Port Huron, Mich.	$116,267.00
10	Santa Barbara, Calif.	$1,024,661.00	Topeka, Kan.	$116,343.00

TABLE 2 – U.S. HOME LISTING REPORT
For all markets included in the U.S. Home Listing Report, below are the most expensive and most affordable markets by state (as well as Puerto Rico):

State	Most Expensive	Avg. Listing Price for Feb. – Aug. 2010 In U.S. $	Most Affordable	Avg. Listing Price for Feb. – Aug. 2010 In U.S. $
ALABAMA	Huntsville	$221,687	Mobile	$199,596
ALASKA	Anchorage	$326,399	Fairbanks	$262,752
ARIZONA	Scottsdale	$493,316	Mesa	$199,219
ARKANSAS	Fort Smith	$238,540	Little Rock	$208,438
CALIFORNIA	Newport Beach	$1,826,348	Lancaster	$141,116
COLORADO	Boulder	$788,404	Colorado Springs	$227,131
CONNECTICUT	Greenwich	$1,195,614	West Hartford	$379,968
DELAWARE	Wilmington*		$273,271
FLORIDA	Key West	$643,333	Jacksonville	$185,415
GEORGIA	Atlanta	$288,032	Macon	$160,387
HAWAII	Honolulu*		$1,026,821
IDAHO	Coeur d’Alene	$239,540	Boise	$194,903
ILLINOIS	Deerfield	$552,918	Rockford	$174,566
INDIANA	Munster	$285,944	Muncie	$100,314
IOWA	Iowa City	$247,076	Sioux City	$85,967
KANSAS	Overland Park	$230,988	Topeka	$116,343
KENTUCKY	Lexington	$231,547	Louisville	$199,200
LOUISIANA	Baton Rouge	$246,106	New Orleans	$166,009
MAINE	Portland	$406,346	Lewiston	$134,908
MARYLAND	Bethesda	$806,817	Hagerstown	$256,344
MASSACHUSETTS	Wellesley	$1,080,458	Springfield	$142,048
MICHIGAN	Indian River	$361,738	Detroit	$68,007
MINNESOTA	Edina	$403,473	Rochester	$172,004
MISSISSIPPI	Gulfport	$223,525	Jackson	$149,288
MISSOURI	St. Louis	$223,819	Kansas City	$112,449
MONTANA	Bozeman	$356,066	Great Falls	$179,737
NEBRASKA	Kearney	$143,266	Norfolk	$107,814
NEVADA	Reno	$219,677	Las Vegas	$167,133
NEW HAMPSHIRE	Hanover	$908,862	Nashua	$297,933
NEW JERSEY	Basking Ridge	$820,207	Toms River	$374,883
NEW MEXICO	Santa Fe	$410,707	Albuquerque	$355,169
NEW YORK	Rye	$1,325,500	Binghamton	$190,533
NORTH CAROLINA	Raleigh	$280,502	Greensboro	$204,383
NORTH DAKOTA	Minot	$216,248	Grand Forks	$197,644
OHIO	Cincinnati	$217,709	Cleveland	$87,240
OKLAHOMA	Oklahoma City	$171,095	Tulsa	$141,143
OREGON	Portland	$417,395	Medford	$286,971
PENNSYLVANIA	Doylestown	$513,663	Erie	$179,759
RHODE ISLAND	Providence*		$144,900
SOUTH CAROLINA	Charleston	$307,817	Columbia	$230,229
TENNESSEE	Nashville	$213,190	Memphis	$126,617
TEXAS	Austin	$297,890	Arlington	$155,286
UTAH	Salt Lake City	$401,354	Provo	$193,325
VERMONT	Burlington	$332,570	Rutland	$176,100
VIRGINIA	Alexandria	$703,513	Lynchburg	$165,100
WASHINGTON	Bellevue	$702,048	Spokane	$193,444
WEST VIRGINIA	Beckley	$238,344	Parkersburg	$164,261
WISCONSIN	Madison	$299,675	Fond du Lac	$119,838

The 2010 average listing price from February – August 2010 in the District of Columbia:

DISTRICT OF COLUMBIA

$539,037 *

The 2010 average listing price from February – August 2010 in the Commonwealth of Puerto Rico:

San Juan

$435,790*

*Only one market was included in the study.

TABLE 3 – CANADIAN HOME LISTING REPORT
The same methodology was used to capture six months of listings in Canada for four-bedroom, two-bathroom homes between March – September 2010. The Canadian version of the Coldwell Banker HLR offers perspectives on several major Canadian cities.

Below is a highlighted report on four-bedroom, two-bathroom home prices (in U.S. dollars2) within select markets in Canada:

Province / Territory	Market	Avg. Listing Price for Feb. – Aug. 2010 In U.S. $
ALBERTA	Fort McMurray	$577,871
ALBERTA	Calgary	$537,485
BRITISH COLUMBIA	Kelowna	$892,698
NOVA SCOTIA	Halifax	$302,773
ONTARIO	Ottawa	$414,137
	Toronto	$482,375
	Windsor	$154,085

TABLE 4 – INTERNATIONAL HOME LISTING REPORT
Separately, Coldwell Banker surveyed local sales professionals within the Coldwell Banker international network, to get a sense of four-bedroom, two-bathroom home listing prices in select international markets:

Note: Local listing price averages were converted to U.S. currency

International markets surveyed in 2010 include:

Country	Market	Avg. Listing Price for Feb. – Aug. 2010 In U.S. $
ARUBA	Aruba	$413,500 +31%
AUSTRALIA	Brisbane	$425,816 +96%
	Gold Coast	$452,365
	Sydney	$452,987
BAHAMAS	Nassau	$937,500 +104%
	Harbour Island	$1,900,000
	Green Turtle Cay, Abaco	$1,300,000
BELIZE	San Pedro	$279,300 +14%
BERMUDA	Bermuda	$1,261,250
CAYMAN ISLANDS	Cayman Islands	$526,250 +0%
CHINA	Shanghai	$1,494,072 +7%
COLOMBIA	Bogota	$393,089 +214%
	Cartagena	$594,641 +31%
	Medellin	$358,037
	San Andres	$528,918
COSTA RICA	Escazu	$308,500 +5%
	Heredia	$191,125 -39%
	Sabana	$222,250
	Santa Ana	$309,250
ECUADOR	Guayaquil	$176,250
	Samborondon	$228,875 +48%
	Salinas	$68,125 -2%
GREECE	Athens	$808,750
GUATEMALA	Guatemala City	$270,750 +31%
HONDURAS	San Pedro Sula	$218,750 -1%
HONDURAS	Tegucigalpa	$249,375 +9%
INDONESIA	Bandung	$161,451 +44%
	South Jakarta	$511,918 +3.5%
	Tangerang	$223,143 +52%
IRELAND	Dublin	$565,775 -99%
ITALY	Rome	$1,384,810 +9.7%
	Milan	$1,193,748 -37%
	Venice	$935,433
MEXICO	Mexico City	$231,775 +12%
MEXICO	Guadalajara	$231,450
NETHERLANDS	Amsterdam	$640,830
	Rotterdam	$485,000
	The Hague	$506,000
NICARAGUA	Granada	$195,000 -23%
	Managua	$287,125 +30%
	Leon	$398,750
	San Juan del Sur	$230,000
PANAMA	Boquete	$185,000
	Coronado	$145,000
	David	$125,000
	Panama City	$225,000 -6.5%
PERU	Lima	$310,750
	Cusco	$202,525
	Trujillo	$236,250
ST. CROIX	Christiansted	$582,500 -3.4%
TURKEY	Istanbul	$520,000 -29%
	Ankara	$370,000 +5.4%
	Izmir	$345,000 +9.5%
TURKS AND CAICOS	Providenciales	$822,475 -6%
UNITED ARAB EMIRATES	Dubai	$1,413,750 +31%
VENEZUELA	Caracas	$228,488 +38%
	Maracaibo	$147,209 +24%
	Porlamar	$317,093 +109%

¹The Coldwell Banker U.S. Home Listing Report includes residential real estate listings appearing on Coldwell Banker.com. This market data includes property listings from Coldwell Banker affiliates as well as listings from other Realogy franchise brands that fit the same four-bedroom, two-bathroom criteria.

²Currency rates were calculated on http://xe.com on September 14, 2010, and rounded to the nearest dollar amount.

About Coldwell Banker®
Since 1906, the Coldwell Banker® organization has been a premier provider of full-service residential and commercial real estate. Coldwell Banker is the oldest national real estate brand in the United States and today has a network of nearly 93,000 sales associates and brokers working in approximately 3,300 offices in 49 countries and territories. The Coldwell Banker brand is known for creating innovative consumer services as recently seen by being the first national real estate brand to augment its web site www.coldwellbanker.com for smart phones, the first to create a iPhone application and the first to fully harness the power of video in real estate listings, news and information through its Coldwell Banker On LocationSM YouTube channel. The Coldwell Banker system is a leader in specialty markets such as resort, new homes and luxury properties through its Coldwell Banker Previews International® marketing program. Coldwell Banker Real Estate LLC fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated.

MORE DATA

CANADA

MARKET	PROV.	AVERAGE PRICE	HLR RANK
WINDSOR	ON	$158,242.00	1
MONCTON	NB	$201,522.00	2
OSHAWA	ON	$207,320.00	3
LONDON	ON	$223,546.00	4
HAMILTON	ON	$238,671.00	5
CHARLOTTETOWN	PE	$243,742.00	6
BRANTFORD	ON	$249,800.00	7
SASKATOON	SK	$260,814.00	8
ST CATHARINES	ON	$265,450.00	9
HALIFAX	NS	$310,912.00	10
WINNIPEG	MB	$343,160.00	11
KITCHENER-WATERLOO	ON	$347,757.00	12
HUNTSVILLE	ON	$351,289.00	13
WHITEHORSE	YT	$371,444.00	14
COLLINGWOOD	ON	$377,569.00	15
MISSISSAUGA	ON	$393,671.00	16
BARRIE	ON	$413,900.00	17
OTTAWA	ON	$425,318.00	18
BURLINGTON	ON	$444,891.00	19
EDMONTON	AB	$452,628.00	20
SCARBOROUGH	ON	$484,000.00	21
TORONTO	ON	$495,398.00	22
NEWMARKET	ON	$513,225.00	23
CALGARY	AB	$551,920.00	24
FORT MCMURRAY	AB	$593,390.00	25
BURNABY	BC	$705,746.00	26
OAKVILLE	ON	$741,638.00	27
KELOWNA	BC	$916,697.00	28

UNITED STATES

Market	State	Average Price	HLR Rank

DETROIT	MI	$68,007.00	1
GRAYLING	MI	$84,625.00	2
SIOUX CITY	IA	$85,967.00	3
CLEVELAND	OH	$87,240.00	4
MUNCIE	IN	$100,314.00	5
NORFOLK	NE	$107,814.00	6
KANSAS CITY	MO	$112,449.00	7
CANTON	OH	$114,325.00	8
PORT HURON	MI	$116,267.00	9
TOPEKA	KS	$116,343.00	10
FOND DU LAC	WI	$119,838.00	11
NORTH PLATTE	NE	$122,717.00	12
DAYTON	OH	$126,352.00	13
MEMPHIS	TN	$126,617.00	14
FORT WAYNE	IN	$128,542.00	15
LEWISTON	ME	$134,908.00	16
DES MOINES	IA	$134,954.00	17
AKRON	OH	$138,788.00	18
CHATTANOOGA	TN	$139,231.00	19
LANCASTER	CA	$141,116.00	20
TULSA	OK	$141,143.00	21
SPRINGFIELD	MA	$142,048.00	22
LANSING	MI	$143,265.00	23
KEARNEY	NE	$143,266.00	24
PROVIDENCE	RI	$144,900.00	25
JACKSON	MS	$149,288.00	26
GRAND RAPIDS	MI	$150,333.00	27
ARLINGTON	TX	$155,286.00	28
GRAND BLANC	MI	$159,645.00	29
KILLEEN	TX	$160,342.00	30
MACON	GA	$160,387.00	31
WAUSAU	WI	$160,682.00	32
SOUTH BEND	IN	$161,867.00	33
GREEN BAY	WI	$164,208.00	34
PARKERSBURG	WV	$164,261.00	35
LYNCHBURG	VA	$165,100.00	36
NEW ORLEANS	LA	$166,009.00	37
LAS VEGAS	NV	$167,133.00	38
DUBUQUE	IA	$170,067.00	39
LEAVENWORTH	KS	$170,722.00	40
FORT WORTH	TX	$171,016.00	41
OKLAHOMA CITY	OK	$171,095.00	42
ROCHESTER	MN	$172,004.00	43
ROCKFORD	IL	$174,566.00	44
RUTLAND	VT	$176,100.00	45
EAU CLAIRE	WI	$176,473.00	46
COLUMBUS	IN	$177,020.00	47
COLUMBUS	OH	$177,188.00	48
WICHITA	KS	$177,436.00	49
COLUMBUS	GA	$179,101.00	50
INDIANAPOLIS	IN	$179,298.00	51
DALTON	GA	$179,621.00	52
GREAT FALLS	MT	$179,737.00	53
ERIE	PA	$179,759.00	54
AUGUSTA	ME	$179,857.00	55
DALLAS	TX	$180,228.00	56
ROANOKE	VA	$180,807.00	57
MOUNT PLEASANT	MI	$181,469.00	58
JACKSONVILLE	FL	$185,415.00	59
KNOXVILLE	TN	$185,637.00	60
PORT CHARLOTTE	FL	$186,233.00	61
MILWAUKEE	WI	$186,327.00	62
MIDLAND	MI	$186,893.00	63
CHARLESTON	WV	$187,014.00	64
ST CLOUD	MN	$187,181.00	65
SPRINGFIELD	IL	$188,326.00	66
PENSACOLA	FL	$188,438.00	67
AMARILLO	TX	$188,686.00	68
LUBBOCK	TX	$189,135.00	69
LAFAYETTE	IN	$189,176.00	70
EL PASO	TX	$190,437.00	71
BINGHAMTON	NY	$190,533.00	72
SAN ANTONIO	TX	$192,045.00	73
HOUSTON	TX	$192,090.00	74
BILLINGS	MT	$192,438.00	75
SYRACUSE	NY	$192,830.00	76
PROVO	UT	$193,325.00	77
SPOKANE	WA	$193,444.00	78
SHREVEPORT	LA	$194,576.00	79
BOISE	ID	$194,903.00	80
GRAND FORKS	ND	$197,644.00	81
TUPELO	MS	$198,278.00	82
LOUISVILLE	KY	$199,200.00	83
MESA	AZ	$199,219.00	84
MOBILE	AL	$199,596.00	85
FARGO	ND	$200,517.00	86
PLANO	TX	$201,485.00	87
ORLANDO	FL	$202,328.00	88
MANKATO	MN	$203,245.00	89
GREENSBORO	NC	$204,383.00	90
ORMOND BEACH	FL	$207,380.00	91
WINSTON SALEM	NC	$207,874.00	92
LITTLE ROCK	AR	$208,438.00	93
ATHENS	GA	$208,548.00	94
FLORENCE	KY	$208,667.00	95
JOLIET	IL	$209,381.00	96
FAYETTEVILLE	NC	$211,474.00	97
NASHVILLE	TN	$213,190.00	98
MODESTO	CA	$215,282.00	99
SPRINGFIELD	MO	$216,047.00	100
MINOT	ND	$216,248.00	101
APPLETON	WI	$217,657.00	102
CINCINNATI	OH	$217,709.00	103
PITTSBURGH	PA	$217,900.00	104
CORPUS CHRISTI	TX	$219,071.00	105
RENO	NV	$219,677.00	106
WINCHESTER	VA	$220,293.00	107
COLLEGE STATION	TX	$220,557.00	108
HUNTSVILLE	AL	$221,687.00	109
GULFPORT	MS	$223,525.00	110
BLOOMINGTON	IL	$223,751.00	111
ST LOUIS	MO	$223,819.00	112
FAYETTEVILLE	AR	$223,838.00	113
FRESNO	CA	$224,138.00	114
SCRANTON	PA	$224,549.00	115
SAVANNAH	GA	$225,405.00	116
CHARLOTTE	NC	$226,840.00	117
COLORADO SPRINGS	CO	$227,131.00	118
ALBANY	NY	$227,608.00	119
LAKE ORION	MI	$228,688.00	120
COLUMBIA	SC	$230,229.00	121
BAKERSFIELD	CA	$230,251.00	122
CADILLAC	MI	$230,597.00	123
OVERLAND PARK	KS	$230,988.00	124
LEXINGTON	KY	$231,547.00	125
BUFFALO	NY	$232,739.00	126
PHOENIX	AZ	$232,752.00	127
ALLENTOWN	PA	$234,967.00	128
PANAMA CITY	FL	$235,329.00	129
ST PAUL	MN	$236,491.00	130
LAFAYETTE	LA	$237,013.00	131
MYRTLE BEACH	SC	$237,573.00	132
PEORIA	IL	$238,170.00	133
BECKLEY	WV	$238,344.00	134
FORT SMITH	AR	$238,540.00	135
GALENA	IL	$239,183.00	136
COEUR D’ALENE	ID	$239,540.00	137
CHAMPAIGN	IL	$239,756.00	138
RICHMOND	VA	$241,634.00	139
TAMPA	FL	$242,867.00	140
FORT MYERS	FL	$246,053.00	141
BATON ROUGE	LA	$246,106.00	142
IOWA CITY	IA	$247,076.00	143
RIVERSIDE	CA	$247,602.00	144
GAINESVILLE	FL	$247,781.00	145
GREENVILLE	SC	$254,986.00	146
KENNEWICK	WA	$255,536.00	147
HAGERSTOWN	MD	$256,344.00	148
TALLAHASSEE	FL	$256,625.00	149
SACRAMENTO	CA	$257,376.00	150
MINNEAPOLIS	MN	$259,954.00	151
SARASOTA	FL	$261,062.00	152
AURORA	IL	$262,545.00	153
FAIRBANKS	AK	$262,752.00	154
WILMINGTON	NC	$264,950.00	155
CLEARWATER	FL	$266,354.00	156
CHICAGO	IL	$268,849.00	157
ASHEVILLE	NC	$268,921.00	158
VALPARAISO	IN	$269,398.00	159
WEST PALM BEACH	FL	$269,402.00	160
WILMINGTON	DE	$273,271.00	161
SCHERERVILLE	IN	$274,967.00	162
WOODBRIDGE	VA	$275,674.00	163
LANCASTER	PA	$278,232.00	164
PETOSKEY	MI	$278,647.00	165
WORCESTER	MA	$279,987.00	166
RALEIGH	NC	$280,502.00	167
BALTIMORE	MD	$281,542.00	168
FREDERICK	MD	$283,475.00	169
MUNSTER	IN	$285,944.00	170
MIAMI	FL	$286,710.00	171
MEDFORD	OR	$286,971.00	172
WALDORF	MD	$287,996.00	173
ATLANTA	GA	$288,032.00	174
TAUNTON	MA	$288,156.00	175
CONSHOHOCKEN	PA	$288,439.00	176
KALISPELL	MT	$293,520.00	177
FLOSSMOOR	IL	$297,600.00	178
AUSTIN	TX	$297,890.00	179
NASHUA	NH	$297,933.00	180
TRAVERSE CITY	MI	$297,943.00	181
CAROL STREAM	IL	$299,538.00	182
MADISON	WI	$299,675.00	183
BEND	OR	$300,520.00	184
ELGIN	IL	$300,834.00	185
ANN ARBOR	MI	$303,460.00	186
CHARLESTON	SC	$307,817.00	187
TUCSON	AZ	$307,841.00	188
MIDDLETOWN	NY	$309,081.00	189
VIRGINIA BEACH	VA	$310,777.00	190
SALEM	OR	$314,601.00	191
TACOMA	WA	$316,236.00	192
PHILADELPHIA	PA	$321,528.00	193
ANCHORAGE	AK	$326,399.00	194
YAKIMA	WA	$326,979.00	195
MISSOULA	MT	$330,921.00	196
BURLINGTON	VT	$332,570.00	197
NAPLES	FL	$337,540.00	198
EUGENE	OR	$342,335.00	199
WESTMINSTER	MD	$351,837.00	200
ALBUQUERQUE	NM	$355,169.00	201
BOZEMAN	MT	$356,066.00	202
NEW WINDSOR	NY	$356,698.00	203
ORLAND PARK	KS	$361,322.00	204
INDIAN RIVER	MI	$361,738.00	205
SCHAUMBURG	IL	$368,123.00	206
COLUMBIA	MD	$368,550.00	207
DENVER	CO	$368,872.00	208
TOMS RIVER	NJ	$374,883.00	209
BARNSTABLE	MA	$378,750.00	210
FLAGSTAFF	AZ	$379,456.00	211
WEST HARTFORD	CT	$379,968.00	212
MOUNT LAUREL	NJ	$381,731.00	213
BOCA RATON	FL	$383,306.00	214
BEL AIR	MD	$392,998.00	215
SALT LAKE CITY	UT	$401,354.00	216
EDINA	MN	$403,473.00	217
PORTLAND	ME	$406,346.00	218
SANTA MARIA	CA	$408,168.00	219
SANTA FE	NM	$410,707.00	220
HIGHLANDS RANCH	CO	$410,827.00	221
NAPERVILLE	IL	$411,382.00	222
PORTLAND	OR	$417,395.00	223
SAN JUAN	PR	$435,790.00	224
MEDIA	PA	$441,891.00	225
FORT COLLINS	CO	$441,947.00	226
GRASS VALLEY	CA	$446,012.00	227
EDISON	NJ	$448,622.00	228
FRAMINGHAM	MA	$456,304.00	229
LEESBURG	VA	$465,256.00	230
TOWSON	MD	$470,829.00	231
EASTON	MD	$473,390.00	232
SANTA ROSA	CA	$476,162.00	233
SCOTTSDALE	AZ	$493,316.00	234
SPARTA TOWNSHIP	NJ	$502,241.00	235
BARRINGTON	IL	$506,480.00	236
MARLBORO TOWNSHIP	NJ	$513,464.00	237
DOYLESTOWN	PA	$513,663.00	238
CLINTON	NJ	$514,447.00	239
LONG BEACH	CA	$516,467.00	240
MONTCLAIR	NJ	$517,994.00	241
DANBURY	CT	$523,634.00	242
NAPA	CA	$528,111.00	243
OLD LYME	CT	$535,869.00	244
SAN DIEGO	CA	$537,089.00	245
WASHINGTON	DC	$539,037.00	246
BRIDGEWATER	NJ	$545,381.00	247
DEERFIELD	IL	$552,918.00	248
OAKLAND	CA	$558,421.00	249
WAYNE	NJ	$558,987.00	250
DAVIS	CA	$561,956.00	251
HUNTINGTON	NY	$590,093.00	252
STATEN ISLAND	NY	$599,195.00	253
VIENNA	VA	$599,467.00	254
PRINCETON JUNCTION	NJ	$607,833.00	255
SAN JOSE	CA	$624,436.00	256
BOSTON	MA	$627,442.00	257
MISSION VIEJO	CA	$629,428.00	258
THOUSAND OAKS	CA	$629,903.00	259
ANNAPOLIS	MD	$632,142.00	260
MILFORD	CT	$633,490.00	261
KEY WEST	FL	$643,333.00	262
ACTON	MA	$656,625.00	263
MADISON	NJ	$662,169.00	264
FAIRFIELD	CT	$678,071.00	265
FREMONT	CA	$685,449.00	266
SEATTLE	WA	$688,270.00	267
BELLEVUE	WA	$702,048.00	268
ALEXANDRIA	VA	$703,513.00	269
WARREN TOWNSHIP	NJ	$717,712.00	270
WESTFIELD	NJ	$747,956.00	271
RIDGEWOOD	NJ	$770,632.00	272
LEXINGTON	MA	$774,642.00	273
IRVINE	CA	$787,303.00	274
BOULDER	CO	$788,404.00	275
WALNUT CREEK	CA	$797,980.00	276
BETHESDA	MD	$806,817.00	277
BEDFORD	NY	$817,045.00	278
BASKING RIDGE	NJ	$820,207.00	279
SANTA CRUZ	CA	$868,217.00	280
ENCINITAS	CA	$868,682.00	281
SAN MATEO	CA	$890,961.00	282
PLEASANTON	CA	$896,488.00	283
HANOVER	NH	$908,862.00	284
MONTEREY	CA	$926,616.00	285
SAN RAFAEL	CA	$956,654.00	286
SANTA BARBARA	CA	$1,024,661.00	287
HONOLULU	HI	$1,026,821.00	288
PASADENA	CA	$1,043,683.00	289
WELLESLEY	MA	$1,080,458.00	290
GREENWICH	CT	$1,195,614.00	291
LA JOLLA	CA	$1,210,300.00	292
SAN FRANCISCO	CA	$1,325,103.00	293
RYE	NY	$1,325,500.00	294
PALO ALTO	CA	$1,479,227.00	295
NEWPORT BEACH	CA	$1,826,348.00	296