| Nominal Price Activity |
Ventura |
National |
Comment |
| . |
Quarterly Appreciation (Q3:2006 – Q4:2006) |
-0.8% |
-2.7% |
Strong |
| |
Rolling
Year Appreciation (Q4:2005 – Q4:2006) |
3.0% |
1.7% |
Strong |
| |
Last
Year Appreciation (2005) |
17.5% |
13.4% |
Strong |
| |
Rolling
5 Year App. (Q4:2001 – Q4:2006) |
107.9% |
49.4% |
Strong |
| |
Historical
Average Annual Appreciation |
8.8% |
6.0% |
Strong |
| Real Price Activity |
Ventura |
National |
Comment |
| . |
Quarterly Appreciation (Q3:2006 – Q4:2006) |
-1.1% |
-3.0% |
Poor |
| |
Rolling
Year Appreciation (Q4:2005 – Q4:2006) |
0.0% |
-1.2% |
Poor |
| |
Last
Year Appreciation (2005) |
14.3% |
10.3% |
Strong |
| |
Rolling
5 Year App. (Q4:2001 – Q4:2006) |
83.7% |
31.8% |
Strong |
| |
Historical
Average Annual Appreciation |
4.6% |
1.7% |
Good |
| Affordability
Activity |
Ventura |
National |
Comment |
| |
Mortgage-Debt-to-Income
Ratio* (Q4:2006) |
39.6% |
21.7% |
Very Unfavorable |
| |
Historical
Mortgage-Debt-to-Income Ratio* |
26.9% |
20.7% |
High |
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| * |
This ratio compares the monthly mortgage payment (principal & interest only, which does not include hazard insurance, property taxes or any needed private mortgage insurance) for a median priced home financed at the prevailing 30 year mortgage rate to the local median 4-person family income. |
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| |
Ventura historical data is for the time period of Q2:1976 – Q4:2006 |
| |
National historical data is for the time period of Q1:1975 – Q4:2006 |
