Texas Housing Affordability Index
Summary

MLS Area	3rd Qtr 2009	2nd Qtr 2009	3rd Qtr 2008	2008	2007
Abilene	2.07	2.16	1.94	2.01	1.78
Amarillo	2.18	2.10	1.73	1.84	1.70
Arlington	2.38	2.38	2.03	2.11	1.91
Austin	1.89	1.84	1.50	1.56	1.53
Bay Area	1.95	1.91	1.49	1.67	1.52
Beaumont	1.98	1.89	1.59	1.68	1.62
Brazoria County	2.49	2.58	2.04	2.16	2.10
Brownsville	1.59	1.95	1.37	1.44	1.06
Bryan-College Station	1.80	1.83	1.52	1.64	1.50
Collin County	2.36	2.36	1.99	2.08	1.28
Corpus Christi	1.73	1.83	1.41	1.46	1.37
Dallas	2.03	2.04	1.70	1.77	1.59
Denton	2.19	2.22	1.87	1.98	1.54
El Paso	1.36	1.37	1.13	1.17	1.13
Fort Bend	1.97	2.02	1.79	1.92	1.32
Fort Worth	2.68	2.71	2.24	2.35	2.10
Galveston	1.83	1.95	1.20	1.33	1.34
Garland	3.11	3.10	2.61	2.71	2.37
Harlingen	1.78	1.91	1.40	1.55	1.40
Houston	1.91	1.94	1.59	1.72	1.54
Irving	2.40	2.41	1.80	1.88	1.83
Killeen-Fort Hood	2.13	2.23	1.76	1.88	1.74
Laredo	2.08	2.03	1.60	1.75	-
Longview-Marshall	1.96	1.92	1.61	1.71	1.57
Lubbock	2.28	2.24	1.82	1.93	1.91
Lufkin	2.06	1.96	1.77	1.95	1.83
McAllen	1.46	1.54	1.24	1.34	1.00
Midland	1.74	1.62	1.27	1.39	-
Montgomery County	1.81	1.78	1.64	1.72	1.37
Nacogdoches	2.16	1.73	1.51	1.56	1.47
Northeast Tarrant County	1.92	1.90	1.64	1.69	1.51
Odessa	1.82	1.85	1.51	1.63	-
Palestine	2.42	2.56	2.04	2.05	2.06
Paris	2.40	2.46	1.97	2.32	2.28
Port Arthur	1.99	1.93	1.84	1.91	1.92
San Angelo	2.19	2.21	1.75	1.85	1.88
San Antonio	1.84	1.83	1.53	1.58	1.47
San Marcos	1.76	2.07	1.76	1.71	2.02
Sherman-Denison	2.60	3.03	2.47	2.61	2.23
Temple-Belton	2.08	2.14	1.72	1.81	1.71
Texarkana	2.17	2.26	2.01	2.19	1.72
Tyler	1.99	1.96	1.64	1.68	1.55
Victoria	1.93	2.01	1.56	1.71	1.66
Waco	2.18	2.13	1.78	1.84	1.78
Wichita Falls	2.19	2.41	2.04	2.19	2.06
Texas	1.84	1.85	1.51	1.59	1.45
USA Total	1.57	1.57	1.27	1.33	1.11

The Housing Affordability Index is the ratio of median family income to the income required to qualify for an 80 percent, fixed-rate mortgage to purchase the median-priced home. The MLS Area represents the local reporting Realtors® association's geographical coverage area.

For additional information or questions contact Jim Gaines.