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1st Quarter

  A B C D E F G H I J
1                    
2        Alabama Housing = Affordability=20 Index                  
3    1st = Quarter 2007=20 and 4th Quarter 2006                  
4                     
5  Metro=20 Area Median Median L/V Monthly Annual Required AHA Index AHA=20 Index %
6   Income Sales=20 Price 80% Payment Payment Income 1st Quarter 4th=20 Quarter Difference
7         06.40%     2007 2006  
8  Calhoun County - = Anniston $ = 47,100 $ = 120,533 $ = 96,427 $ = 603 $ = 7,235 $ = 28,941 162.7 154.8 05.12%
9 Lee County - = Auburn, Opelika 54,400 176,667 141,333 884 10,605 42,420 128.2 123.0 04.26%
10 Baldwin = County 52,000 204,696 163,757 1,024 12,287 49,150 105.8 109.8 -03.68%
11 Birmingham 55,500 156,733 125,387 784 9,408 37,633 147.5 143.2 02.96%
12 Dothan 48,600 136,783 109,427 684 8,211 32,843 148.0 147.3 00.46%
13 Muscle Shoals - = Florence 47,000 95,533 76,427 478 5,735 22,939 204.9 210.9 -02.84%
14 Gadsden 43,300 93,539 74,831 468 5,615 22,460 192.8 180.3 06.90%
15 Huntsville 63,800 138,600 110,880 693 8,320 33,279 191.7 185.9 03.12%
16 Mobile 46,100 130,550 104,440 653 7,837 31,346 147.1 145.2 01.31%
17 Montgomery 52,900 131,833 105,467 659 7,914 31,655 167.1 161.8 03.30%
18 Tuscaloosa 46,900 147,167 117,733 736 8,834 35,336 132.7 140.6 -05.60%
19 County=20 Area                  
20                     
21  Cullman = County $ = 46,000 $ = 112,520 $ = 90,016 $ = 563 $ = 6,754 $ = 27,017 170.3 202.4 -15.86%
22 Marshall = County 45,200 103,200 82,560 516 6,195 24,779 182.4 176.2 03.54%
23 Monroe = County 40,100 104,150 83,320 521 6,252 25,008 160.4 188.0 -14.71%
24 Talladega = County 41,700 NR NA NA NA NA NA 188.0 NA
25 Lake Martin - = Tallapoosa 43,600 217,833 174,267 1,090 13,076 52,304 83.4 98.6 -15.49%
26 Walker = County 42,700 88,967 71,173 445 5,340 21,362 199.9 224.1 -10.78%
27                    
28  Statewide = Average $ = 48,700 $ = 134,957 $ = 107,965 $ = 675 $ = 8,101 $ = 32,404 150.3 153.4 -02.01%
29                    
30  US Average $ = 59,000 $ = 212,633 $ = 170,106 $ = 1,064 $ = 12,764 $ = 51,055 115.6 106.0 09.01%
31                    
32                     
33    Sources:  The Alabama = Center for=20 Real Estate, in the Culverhouse College of Commerce and Business=20 Administration, at The                
34    University of Alabama and The = Alabama=20 Association of REALTORS. National data supplied by the Federal = Housing=20 Finance Board,                
35    and the Research Division of = the=20 National Association of REALTORS.                

2nd Quarter

  A  B  C  D  E  F  G  H  I  J 
1                     
2        Alabama Housing = Affordability=20 Index                  
3    2nd = Quarter 2007=20 & 1st Quarter 2007                  
4                     
5  Metro=20 Area Median Median L/V Monthly Annual Required AHA Index AHA=20 Index %
6   Income Sales=20 Price 80% Payment Payment Income 2nd Quarter 1st=20 Quarter Difference
7         06.44%     2007 2007  
8  Calhoun County - = Anniston $ = 47,100 $ = 124,233 $ = 99,387 $ = 624 $ = 7,491 $ = 29,965 157.2 162.7 -03.42%
9 Lee County - = Auburn, Opelika 54,400 173,975 139,180 874 10,491 41,963 129.6 128.2 01.09%
10 Baldwin 52,000 218,167 174,533 1,096 13,155 52,622 98.8 105.8 -06.60%
11 Birmingham 55,500 163,092 130,473 820 9,834 39,338 141.1 147.5 -04.33%
12 Dothan 48,600 138,917 111,133 698 8,377 33,507 145.0 148.0 -01.98%
13 Muscle Shoals - = Florence 47,000 104,667 83,733 526 6,311 25,246 186.2 204.9 -09.14%
14 Gadsden 43,300 95,083 76,067 478 5,734 22,934 188.8 192.8 -02.07%
15 Huntsville 63,800 147,300 117,840 740 8,882 35,529 179.6 191.7 -06.33%
16 Mobile 46,100 141,583 113,267 711 8,538 34,150 135.0 147.1 -08.21%
17 Montgomery 52,900 146,758 117,406 737 8,850 35,398 149.4 167.1 -10.58%
18 Tuscaloosa 46,900 151,533 121,227 761 9,137 36,550 128.3 132.7 -03.32%
19 County=20 Area                  
20                     
21  Cullman = County $ = 46,000 $ = 105,181 $ = 84,145 $ = 529 $ = 6,342 $ = 25,370 181.3 170.3 06.49%
22 Marshall = County 45,200 108,776 87,021 547 6,559 26,237 172.3 182.4 -05.56%
23 Monroe = County 40,100 86,933 69,547 437 5,242 20,968 191.2 160.4 19.26%
24 Talladega = County 41,700 71,950 57,560 362 4,339 17,354 240.3 NA NA
25 Lake Martin - = Tallapoosa 43,600 190,667 152,533 958 11,497 45,989 94.8 83.4 13.73%
26 Walker = County 42,700 131,733 105,387 662 7,944 31,774 134.4 199.9 -32.77%
27                    
28  Statewide = Average $ = 48,700 $ = 135,326 $ = 108,261 $ = 680 $ = 8,160 $ = 32,641 149.2 150.3 -00.72%
29                    
30  US Average $ = 59,000 $ = 223,467 $ = 178,773 $ = 1,123 $ = 13,475 $ = 53,900 109.5 115.6 -05.28%
31                    
32    Sources:  = The Alabama=20 Center for Real Estate, in the Culverhouse College of Commerce and = Business Administration, at The  
33   University of = Alabama and The=20 Alabama Association of REALTORS. National data supplied by the = Federal=20 Housing Finance Board,  
34   and the Research Division of = the=20 National Association of REALTORS.                

3rd Quarter

  A B C D E F G H I J
1                    
2        Alabama Housing = Affordability=20 Index
3   3rd=20 Quarter 2007 & 2nd Quarter 2007
4                    
5 Metro Area Median Median L/V Monthly Annual Required AHA Index AHA=20 Index %
6 Income Sales=20 Price 80% Payment Payment Income 3rd Quarter 2nd=20 Quarter Difference
7       06.73%     2007 2007  
8 Calhoun County - = Anniston $ = 47,100 $ = 125,467 $ = 100,373 $ = 650 $ = 7,799 $ = 31,196 151.0 157.2 -03.94%
9 Lee County - = Auburn, Opelika 54,400 179,281 143,425 929 11,144 44,576 122.0 129.6 -05.86%
10 Baldwin 52,000 219,400 175,520 1,136 13,638 54,551 95.3 98.8 -03.54%
11 Birmingham 55,500 164,500 131,600 852 10,225 40,901 135.7 141.1 -03.82%
12 Dothan 48,600 136,333 109,067 706 8,474 33,897 143.4 145.0 -01.15%
13 Muscle Shoals - = Florence 47,000 114,167 91,333 591 7,096 28,386 165.6 186.2 -11.06%
14 Gadsden 43,300 106,967 85,573 554 6,649 26,596 162.8 188.8 -13.77%
15 Huntsville 63,800 156,933 125,547 813 9,755 39,019 163.5 179.6 -08.95%
16 Mobile 46,100 135,300 108,240 701 8,410 33,641 137.0 135.0 01.51%
17 Montgomery 52,900 144,467 115,573 748 8,980 35,920 147.3 149.4 -01.45%
18 Tuscaloosa 46,900 155,573 124,459 806 9,670 38,681 121.2 128.3 -05.51%
19 County Area                  
20                  
21 Cullman = County $ = 46,000 $ = 106,283 $ = 85,027 $ = 551 $ = 6,606 $ = 26,426 174.1 181.3 -04.00%
22 Marshall = County 45,200 105,900 84,720 549 6,583 26,331 171.7 172.3 -00.36%
23 Monroe = County 40,100 95,633 76,507 495 5,944 23,778 168.6 191.2 -11.82%
24 Talladega = County 41,700 105,000 84,000 544 6,527 26,107 159.7 240.3 -33.53%
25 Lake Martin - = Tallapoosa 43,600 178,000 142,400 922 11,064 44,257 98.5 94.8 03.91%
26 Walker = County 42,700 107,950 86,360 559 6,710 26,840 159.1 134.4 18.38%
27                    
28 Statewide = Average $ = 48,700 $ = 137,480 $ = 109,984 $ = 712 $ = 8,546 $ = 34,182 142.5 149.2 -04.51%
29                    
30 US Average $ = 59,000 $ = 220,800 $ = 176,640 $ = 1,144 $ = 13,725 $ = 54,899 107.5 109.5 -01.82%
31                    
32   Sources:  = The Alabama=20 Center for Real Estate, in the Culverhouse College of Commerce and = Business Administration, at The  
33   University of = Alabama and The=20 Alabama Association of REALTORS. National data supplied by the = Federal=20 Housing Finance Board,  
34   and the Research = Division of=20 the National Association of REALTORS.  

4th Quarter

  A B C D E F G H I J K L M N O P Q R S T U V W X Y Z AA AB AC AD AE AF AG AH AI AJ AK AL AM AN AO AP AQ AR AS AT AU AV AW AX AY AZ BA BB BC BD BE BF BG BH BI BJ BK BL
1                                                                                                                                
2        Alabama Housing = Affordability=20 Index                                                                                                      
3   4th=20 Quarter 2007                                                                                                      
4                                                                                                                                
5 Metro Area Median Median Median Median Median L/V Monthly Annual Required AHA Index AHA=20 Index %                                                                                                      
6 Income Sales Price Sales Price Sales Price Sales Price 80% Payment at=20  
following Int. Rate		 Payment Income 4th Quarter 3rd=20 Quarter Difference                                                                                     4Q=20 2006 
HAI		 1Q=20 2007 
HAI		 % = Diff. From=20  
Prev. Quarter		 2Q=20 2007 
HAI		 % = Diff. From=20  
Prev. Quarter		 3Q=20 2007 
HAI		 % = Diff. From=20  
Prev. Quarter		 4Q=20 2007 
HAI		 % = Diff. From=20  
Prev. Quarter
7 2007 1Q-07 2Q-07 3Q-07 4Q-07   06.42%   4Q-07 2007 2007                                                                                       154.8 162.7 05.12% 157.2 -03.42% 151.0 -03.94% 162.2 07.40%
8 Calhoun County = (Anniston) $ = 47,100 $=20 120,533 $=20 124,233 $=20 125,467 $=20 120,717 $ = 96,573 $ = 605 $ = 7,262 $ = 29,046 162.2 151.0 07.40%                                                                                     123.0 128.2 04.26% 129.6 01.09% 122.0 -05.86% 133.7 09.55%
9 Lee County = (Auburn, Opelika) 54,400 176,667 173,975 179,281 169,117 135,293 848 10,173 40,692 133.7 122.0 09.55%                                                                                     109.8 105.8 -03.68% 98.8 -06.60% 95.3 -03.54% 104.3 09.41%
10 Baldwin 52,000 204,696 218,167 219,400 207,213 165,771 1,039 12,465 49,858 104.3 95.3 09.41%                                                                                     143.2 147.5 02.96% 141.1 -04.33% 135.7 -03.82% 146.9 08.27%
11 Birmingham 55,500 156,733 163,092 164,500 157,000 125,600 787 9,444 37,776 146.9 135.7 08.27%                                                                                     147.3 148.0 00.46% 145.0 -01.98% 143.4 -01.15% 159.4 11.20%
12 Dothan 48,600 136,783 138,917 136,333 126,692 101,353 635 7,621 30,484 159.4 143.4 11.20%                                                                                     210.9 204.9 -02.84% 186.2 -09.14% 165.6 -11.06% 166.4 00.47%
13 Muscle Shoals = (Florence) 47,000 95,533 104,667 114,167 117,417 93,933 589 7,063 28,252 166.4 165.6 00.47%                                                                                     180.3 192.8 06.90% 188.8 -02.07% 162.8 -13.77% 173.9 06.80%
14 Gadsden 43,300 93,539 95,083 106,967 103,500 82,800 519 6,226 24,903 173.9 162.8 06.80%                                                                                     185.9 191.7 03.12% 179.6 -06.33% 163.5 -08.95% 174.4 06.69%
15 Huntsville 63,800 138,600 147,300 156,933 152,000 121,600 762 9,143 36,573 174.4 163.5 06.69%                                                                                     145.2 147.1 01.31% 135.0 -08.21% 137.0 01.51% 137.7 00.46%
16 Mobile 46,100 130,550 141,583 135,300 139,165 111,332 698 8,371 33,485 137.7 137.0 00.46%                                                                                     161.8 167.1 03.30% 149.4 -10.58% 147.3 -01.45% 153.2 04.03%
17 Montgomery 52,900 131,833 146,758 144,467 143,500 114,800 719 8,632 34,528 153.2 147.3 04.03%                                                                                     140.6 132.7 -05.60%