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DISCLOSURE APPENDIX CONTAINS IMPORTANT DISCLOSURES, ANALYST CERTIFICATIONS, INFORMATION ONTRADE ALERTS, ANALYST MODEL PORTFOLIOS AND THE STATUS OF NON-U.S ANALYSTS. FOR OTHERIMPORTANT DISCLOSURES, visit www.credit-suisse.com/ researchdisclosures or call +1 (877) 291-2683.
U.S.Disclosure: Credit Suisse does and seeks to do business with companies covered in its research reports. As a result,investors should be aware that the Firm may have a conflict of interest that could affect the objectivity of this report. Investorsshould consider this report as only a single factor in making their investment decision.05 August 2009Americas/United States
Equity Research
Homebuilding / MARKET WEIGHT
Monthly Survey of Real EstateAgents
CHANNEL CHECK
Further Stabilization in Hard-Hit Markets, LowPrice Points
■ 
Traffic steady; strongest in beaten-down markets.
Our Monthly Survey ofReal Estate Agents pointed to steady and healthy traffic in July with buyerscontinuing to aggressively seek out foreclosures. Our buyer traffic index wassteady at 43.4 in July from 43.1 in June. The foreclosure heavy markets sawthe greatest amount of traffic, as investors seek out foreclosure bargains.
■ 
Strength in Arizona, California, Florida, and Washington, D.C.
The“foreclosure four” of Ft Myers, Las Vegas, Phoenix, and Riverside-SanBernardino (Inland Empire)
 
all saw strong traffic with as significant investordemand supports foreclosure sales activity (agents indicate that as much as50% of sales are to investors in these areas). In these markets our trafficindex ranged from a low of 58 in Phoenix to a high of 70 in Ft Myers, and allof these markets have seen high levels of traffic through Spring and Summeras investors seek foreclosure bargains. In Washington, D.C. (NVR and TOL),our traffic slipped to 60 from 63, but has been above agents expectations(readings above 50) for each month since March.
■ 
Weakness in Atlanta, Chicago, and Texas markets.
Agents notedweakness in Atlanta with traffic dropping down to a low level of 22 aftershowing improvement over the past two months. Chicago remained constantat 29, continuing the weak trends seen in that market. Traffic in the Texasmarkets was again below expectations – Austin offered the best trends withtraffic up slightly to 34 in July from 28 in June, but we saw weakness inDallas (traffic dropped to 38 from 41 in June), Houston (traffic remainedweak at 23, consistent with 22 in June), and San Antonio saw a tough month(traffic fell to 10 from 33).
■ 
Pricing nearing a bottom in many markets on low-end homes.
Our priceindex increased another 2.7 points in July to 33.6, the highest level we haveseen in several years. Agents indicated rising prices over the past 30 days inFt. Myers, Phoenix, and Riverside-San Bernardino with several othermarkets showing near-stable prices. Agents saw the weakest pricing trendsin Atlanta, Charlotte, Chicago, Jacksonville, and New York.
Research AnalystsDaniel Oppenheim, CFA
212 325 5726dan.oppenheim@credit-suisse.com
Michael Dahl
212 325 5882michael.dahl@credit-suisse.com
 
 
05 August 2009
 
Monthly Survey of Real Estate Agents
 
2
Table of Contents
Overview of Results………………………………..…..3Survey Methodology…………………………………...5Top 20 Housing Markets
Atlanta, Georgia 7Austin, Texas 8Charlotte, North Carolina 9Chicago, Illinois 10Dallas, Texas 11Denver, Colorado 12Fort Myers, Florida 13Houston, Texas 14Jacksonville, Florida 15Las Vegas, Nevada 16Los Angeles, California 17Miami, Florida 18Minneapolis, Minnesota 19New York-Northern New Jersey 20Orlando, Florida 21Phoenix, Arizona 22Riverside-San Bernardino [Inland Empire], California 23Seattle, Washington 24Tampa, Florida 25Washington, D.C. 26
Additional Key Housing Markets…………………… 27
Baltimore, Maryland 28Boston, Massachusetts 29Charleston, South Carolina 30Cincinnati, Ohio 31Columbus, Ohio 32Detroit, Michigan 33Nashville, Tennessee 34Philadelphia-Southern New Jersey 35Port St. Lucie, Florida 36Portland, Oregon 37Raleigh, North Carolina 38Richmond, Virginia 39Sacramento, California 40San Antonio, Texas 41San Diego, California 42San Francisco, California 43Sarasota, Florida 44Tucson, Arizona 45Virginia Beach, Virginia 46Wilmington, North Carolina 47
Historical Survey Trends by Market……………… 48
*Markets are characterized based on permit activity and listed in Alphabetical order 
 
 
05 August 2009
 
Monthly Survey of Real Estate Agents
 
3
Further Stabilization in Hard-Hit Markets, Low PricePoints
For those who may be unfamiliar with our survey, we center our indices around 50 so that readings above 50 indicate positive or improving trends and readings below 50 indicate negative or worsening trends. Please see page 5 for a full description of our survey methodology.
Traffic steady, strongest in beaten-down markets.
Our Monthly Survey of Real EstateAgents pointed to steady and healthy traffic in July with buyers continuing to aggressivelyseek out foreclosures. Our buyer traffic index was steady at 43.4 from 43.1 in June. Theforeclosure heavy markets saw the greatest amount of traffic, as investors seek outforeclosure bargains.
Exhibit 1:Traffic Unchanged in June; Buyers Continue to Seek Distressed Properties 
MonthBuyerTrafficIndexHomePriceIndexIncentiveIndexHomeListingsIndexTimeto SellIndex
Apr-200833.120.628.327.224.2May-200831.521.430.832.124.9Jun-200829.022.128.833.626.6Jul-200827.421.030.534.724.9Aug-200825.920.129.737.525.7Sep-200824.017.530.639.522.5Oct-200819.615.329.641.019.9Nov-200819.815.330.345.322.0Dec-200825.313.330.348.023.2Jan-200936.515.932.143.526.6Feb-200936.017.131.140.528.2Mar-200939.520.532.541.733.4Apr-200948.424.835.345.342.6May-200945.427.037.547.044.6Jun-200943.130.941.252.443.7Jul-200943.433.640.356.046.2
Point change0.32.7(0.9)3.72.5
 
Source: Credit Suisse estimates 
Strength in Arizona, California, Florida, and Washington, D.C.
The “foreclosure four”of Ft Myers, Las Vegas, Phoenix, and Riverside-San Bernardino (Inland Empire)
 
all sawstrong traffic with as significant investor demand supports foreclosure sales activity(agents indicate that as much as 50% of sales are to investors in these areas). In thesemarkets our traffic index ranged from a low of 58 in Phoenix to a high of 70 in Ft Myers,and all of these markets have seen high levels of traffic through Spring and Summer asinvestors seek foreclosure bargains. In Washington, D.C. (NVR and TOL), our trafficslipped to 60 from 63, but has been above agents expectations (readings above 50) foreach month since March.
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