次貸危機低穀至今美國各都市區房價增速排名

根據Freddie Mac房價指數，從2012年1月到2023年10月（共11.75年）美國各都市區房價增值無杠杆和三倍杠杆複利回報排名：

		第3列	第4列	第5列	第6列
		無杠杆		三倍杠杆
Rank	Metro	房價倍數	複利%	房價倍數	複利%
1	Bend OR	3.76	11.9	15.04	25.9
2	Boise City ID	3.73	11.9	14.92	25.9
3	Las Vegas-Henderson-Paradise NV	3.68	11.7	14.72	25.7
4	Port St. Lucie FL	3.66	11.7	14.64	25.7
5	Reno NV	3.58	11.5	14.32	25.4
6	Phoenix-Mesa-Chandler AZ	3.57	11.4	14.28	25.4
7	Sebastian-Vero Beach FL	3.56	11.4	14.24	25.4
8	Tampa-St. Petersburg-Clearwater FL	3.52	11.3	14.08	25.2
9	Palm Bay-Melbourne-Titusville FL	3.51	11.3	14.04	25.2
10	Punta Gorda FL	3.50	11.3	14.00	25.2
11	Carson City NV	3.47	11.2	13.88	25.1
12	Naples-Marco Island FL	3.47	11.2	13.88	25.1
13	North Port-Sarasota-Bradenton FL	3.46	11.1	13.84	25.1
14	Cape Coral-Fort Myers FL	3.42	11.0	13.68	24.9
15	Deltona-Daytona Beach-Ormond Beach FL	3.42	11.0	13.68	24.9
16	Lakeland-Winter Haven FL	3.37	10.9	13.48	24.8
17	Sebring-Avon Park FL	3.35	10.8	13.40	24.7
18	Ocala FL	3.32	10.8	13.28	24.6
19	Miami-Fort Lauderdale-Pompano Beach FL	3.30	10.7	13.20	24.6
20	Orlando-Kissimmee-Sanford FL	3.29	10.7	13.16	24.5
21	Coeur d'Alene ID	3.28	10.6	13.12	24.5
22	Modesto CA	3.28	10.6	13.12	24.5
23	Stockton CA	3.28	10.6	13.12	24.5
24	Homosassa Springs FL	3.26	10.6	13.04	24.4
25	Merced CA	3.25	10.6	13.00	24.4
26	Prescott Valley-Prescott AZ	3.25	10.6	13.00	24.4
27	Atlanta-Sandy Springs-Alpharetta GA	3.24	10.5	12.96	24.4
28	Gainesville GA	3.22	10.5	12.88	24.3
29	Vallejo CA	3.08	10.0	12.32	23.8
30	Charleston-North Charleston SC	3.07	10.0	12.28	23.8
31	Yuba City CA	3.04	9.9	12.16	23.7
32	Lake Havasu City-Kingman AZ	3.02	9.9	12.08	23.6
33	Riverside-San Bernardino-Ontario CA	3.02	9.9	12.08	23.6
34	Twin Falls ID	3.02	9.9	12.08	23.6
35	Muskegon MI	3.00	9.8	12.00	23.6
36	Seattle-Tacoma-Bellevue WA	2.95	9.6	11.80	23.4
37	St. George UT	2.92	9.5	11.68	23.3
38	Flagstaff AZ	2.91	9.5	11.64	23.2
39	Jacksonville FL	2.91	9.5	11.64	23.2
40	Longview WA	2.91	9.5	11.64	23.2
41	Greeley CO	2.90	9.5	11.60	23.2
42	Grand Rapids-Kentwood MI	2.88	9.4	11.52	23.1
43	Salinas CA	2.88	9.4	11.52	23.1
44	Madera CA	2.87	9.4	11.48	23.1
45	Nashville-Davidson--Murfreesboro--Franklin	2.87	9.4	11.48	23.1
46	Provo-Orem UT	2.86	9.4	11.44	23.0
47	Idaho Falls ID	2.85	9.3	11.40	23.0
48	Sacramento-Roseville-Folsom CA	2.85	9.3	11.40	23.0
49	Albany-Lebanon OR	2.83	9.3	11.32	22.9
50	Charlotte-Concord-Gastonia NC-SC	2.83	9.3	11.32	22.9
51	Ogden-Clearfield UT	2.83	9.3	11.32	22.9
52	Athens-Clarke County GA	2.80	9.2	11.20	22.8
53	Kahului-Wailuku-Lahaina HI	2.80	9.2	11.20	22.8
54	Salt Lake City UT	2.80	9.2	11.20	22.8
55	Mount Vernon-Anacortes WA	2.79	9.1	11.16	22.8
56	Sherman-Denison TX	2.79	9.1	11.16	22.8
57	Denver-Aurora-Lakewood CO	2.78	9.1	11.12	22.8
58	Savannah GA	2.77	9.1	11.08	22.7
59	Spokane-Spokane Valley WA	2.77	9.1	11.08	22.7
60	Dalton GA	2.76	9.0	11.04	22.7
61	Pensacola-Ferry Pass-Brent FL	2.76	9.0	11.04	22.7
62	Salem OR	2.76	9.0	11.04	22.7
63	Brunswick GA	2.74	9.0	10.96	22.6
64	El Centro CA	2.74	9.0	10.96	22.6
65	Logan UT-ID	2.73	8.9	10.92	22.6
66	Visalia CA	2.71	8.9	10.84	22.5
67	Austin-Round Rock-Georgetown TX	2.70	8.8	10.80	22.4
68	Bakersfield CA	2.69	8.8	10.76	22.4
69	Dallas-Fort Worth-Arlington TX	2.69	8.8	10.76	22.4
70	Daphne-Fairhope-Foley AL	2.69	8.8	10.76	22.4
71	Detroit-Warren-Dearborn MI	2.69	8.8	10.76	22.4
72	Flint MI	2.69	8.8	10.76	22.4
73	Panama City FL	2.69	8.8	10.76	22.4
74	San Diego-Chula Vista-Carlsbad CA	2.68	8.8	10.72	22.4
75	Fayetteville-Springdale-Rogers AR	2.67	8.7	10.68	22.3
76	Tucson AZ	2.67	8.7	10.68	22.3
77	Asheville NC	2.64	8.6	10.56	22.2
78	Hilton Head Island-Bluffton SC	2.63	8.6	10.52	22.2
79	Missoula MT	2.63	8.6	10.52	22.2
80	Fresno CA	2.62	8.5	10.48	22.1
81	Knoxville TN	2.61	8.5	10.44	22.1
82	Pocatello ID	2.61	8.5	10.44	22.1
83	Crestview-Fort Walton Beach-Destin FL	2.60	8.5	10.40	22.1
84	Wilmington NC	2.60	8.5	10.40	22.1
85	Bremerton-Silverdale-Port Orchard WA	2.59	8.4	10.36	22.0
86	Fort Collins CO	2.59	8.4	10.36	22.0
87	Santa Maria-Santa Barbara CA	2.58	8.4	10.32	22.0
88	Pueblo CO	2.57	8.4	10.28	21.9
89	Greenville-Anderson SC	2.56	8.3	10.24	21.9
90	Portland-Vancouver-Hillsboro OR-WA	2.56	8.3	10.24	21.9
91	San Francisco-Oakland-Berkeley CA	2.56	8.3	10.24	21.9
92	Spartanburg SC	2.56	8.3	10.24	21.9
93	Wenatchee WA	2.54	8.3	10.16	21.8
94	Yuma AZ	2.53	8.2	10.12	21.8
95	Grand Junction CO	2.52	8.2	10.08	21.7
96	Bellingham WA	2.51	8.1	10.04	21.7
97	Gainesville FL	2.51	8.1	10.04	21.7
98	Los Angeles-Long Beach-Anaheim CA	2.51	8.1	10.04	21.7
99	Napa CA	2.51	8.1	10.04	21.7
100	San Jose-Sunnyvale-Santa Clara CA	2.51	8.1	10.04	21.7
101	Santa Rosa-Petaluma CA	2.51	8.1	10.04	21.7
102	Ann Arbor MI	2.50	8.1	10.00	21.6
103	Jackson MI	2.50	8.1	10.00	21.6
104	Chattanooga TN-GA	2.49	8.1	9.96	21.6
105	Santa Cruz-Watsonville CA	2.48	8.0	9.92	21.6
106	Boulder CO	2.47	8.0	9.88	21.5
107	Colorado Springs CO	2.47	8.0	9.88	21.5
108	Eugene-Springfield OR	2.47	8.0	9.88	21.5
109	Grants Pass OR	2.47	8.0	9.88	21.5
110	Myrtle Beach-Conway-North Myrtle Beach S	2.47	8.0	9.88	21.5
111	Olympia-Lacey-Tumwater WA	2.47	8.0	9.88	21.5
112	Medford OR	2.46	8.0	9.84	21.5
113	Raleigh-Cary NC	2.46	8.0	9.84	21.5
114	Walla Walla WA	2.46	8.0	9.84	21.5
115	Durham-Chapel Hill NC	2.45	7.9	9.80	21.4
116	Janesville-Beloit WI	2.44	7.9	9.76	21.4
117	Columbus OH	2.43	7.8	9.72	21.4
118	Portland-South Portland ME	2.43	7.8	9.72	21.4
119	San Luis Obispo-Paso Robles CA	2.43	7.8	9.72	21.4
120	Hanford-Corcoran CA	2.41	7.8	9.64	21.3
121	Kansas City MO-KS	2.40	7.7	9.60	21.2
122	Morristown TN	2.40	7.7	9.60	21.2
123	Kennewick-Richland WA	2.39	7.7	9.56	21.2
124	Lansing-East Lansing MI	2.39	7.7	9.56	21.2
	USA	2.39	7.7	9.56	21.2
125	Fort Wayne IN	2.38	7.7	9.52	21.1
126	Rome GA	2.37	7.6	9.48	21.1
127	Mansfield OH	2.36	7.6	9.44	21.1
128	Redding CA	2.36	7.6	9.44	21.1
129	Waco TX	2.35	7.5	9.40	21.0
130	Burlington NC	2.33	7.5	9.32	20.9
131	Indianapolis-Carmel-Anderson IN	2.33	7.5	9.32	20.9
132	Oxnard-Thousand Oaks-Ventura CA	2.33	7.5	9.32	20.9
133	Chico CA	2.31	7.4	9.24	20.8
134	Lewiston-Auburn ME	2.31	7.4	9.24	20.8
135	Kalamazoo-Portage MI	2.30	7.3	9.20	20.8
136	Cleveland TN	2.28	7.3	9.12	20.7
137	Johnson City TN	2.28	7.3	9.12	20.7
138	Lewiston ID-WA	2.28	7.3	9.12	20.7
139	Rapid City SD	2.28	7.3	9.12	20.7
140	Eau Claire WI	2.27	7.2	9.08	20.7
141	Hickory-Lenoir-Morganton NC	2.27	7.2	9.08	20.7
142	Hinesville GA	2.27	7.2	9.08	20.7
143	Manchester-Nashua NH	2.27	7.2	9.08	20.7
144	Springfield MO	2.27	7.2	9.08	20.7
145	Tallahassee FL	2.27	7.2	9.08	20.7
146	Elkhart-Goshen IN	2.26	7.2	9.04	20.6
147	Yakima WA	2.26	7.2	9.04	20.6
148	Augusta-Richmond County GA-SC	2.25	7.1	9.00	20.6
149	San Antonio-New Braunfels TX	2.25	7.1	9.00	20.6
150	Cincinnati OH-KY-IN	2.24	7.1	8.96	20.5
151	Battle Creek MI	2.23	7.1	8.92	20.5
152	Green Bay WI	2.23	7.1	8.92	20.5
153	Niles MI	2.23	7.1	8.92	20.5
154	Providence-Warwick RI-MA	2.23	7.1	8.92	20.5
155	Santa Fe NM	2.23	7.1	8.92	20.5
156	South Bend-Mishawaka IN-MI	2.23	7.1	8.92	20.5
157	Winston-Salem NC	2.22	7.0	8.88	20.4
158	College Station-Bryan TX	2.21	7.0	8.84	20.4
159	Killeen-Temple TX	2.21	7.0	8.84	20.4
160	Jackson TN	2.20	6.9	8.80	20.3
161	Monroe MI	2.20	6.9	8.80	20.3
162	Richmond VA	2.20	6.9	8.80	20.3
163	The Villages FL	2.20	6.9	8.80	20.3
164	Boston-Cambridge-Newton MA-NH	2.19	6.9	8.76	20.3
165	Buffalo-Cheektowaga NY	2.19	6.9	8.76	20.3
166	Dayton-Kettering OH	2.19	6.9	8.76	20.3
167	Lafayette-West Lafayette IN	2.19	6.9	8.76	20.3
168	Appleton WI	2.18	6.9	8.72	20.2
169	Memphis TN-MS-AR	2.18	6.9	8.72	20.2
170	Saginaw MI	2.18	6.9	8.72	20.2
171	Sheboygan WI	2.18	6.9	8.72	20.2
172	Winchester VA-WV	2.18	6.9	8.72	20.2
173	Great Falls MT	2.17	6.8	8.68	20.2
174	Worcester MA-CT	2.17	6.8	8.68	20.2
175	Barnstable Town MA	2.16	6.8	8.64	20.1
176	Corvallis OR	2.16	6.8	8.64	20.1
177	Greensboro-High Point NC	2.16	6.8	8.64	20.1
178	Kingsport-Bristol TN-VA	2.16	6.8	8.64	20.1
179	Kokomo IN	2.16	6.8	8.64	20.1
180	Michigan City-La Porte IN	2.16	6.8	8.64	20.1
181	Racine WI	2.16	6.8	8.64	20.1
182	Bangor ME	2.15	6.7	8.60	20.1
183	Houston-The Woodlands-Sugar Land TX	2.15	6.7	8.60	20.1
184	Minneapolis-St. Paul-Bloomington MN-WI	2.15	6.7	8.60	20.1
185	Omaha-Council Bluffs NE-IA	2.15	6.7	8.60	20.1
186	Rochester MN	2.15	6.7	8.60	20.1
187	East Stroudsburg PA	2.13	6.6	8.52	20.0
188	Huntsville AL	2.13	6.6	8.52	20.0
189	McAllen-Edinburg-Mission TX	2.13	6.6	8.52	20.0
190	Sioux City IA-NE-SD	2.13	6.6	8.52	20.0
191	Sioux Falls SD	2.13	6.6	8.52	20.0
192	Auburn-Opelika AL	2.12	6.6	8.48	20.0
193	Mobile AL	2.12	6.6	8.48	20.0
194	Oshkosh-Neenah WI	2.12	6.6	8.48	20.0
195	Warner Robins GA	2.12	6.6	8.48	20.0
196	Lincoln NE	2.11	6.6	8.44	19.9
197	Birmingham-Hoover AL	2.10	6.5	8.40	19.9
198	Clarksville TN-KY	2.10	6.5	8.40	19.9
199	Columbia SC	2.10	6.5	8.40	19.9
200	Decatur AL	2.10	6.5	8.40	19.9
201	Kingston NY	2.10	6.5	8.40	19.9
202	Muncie IN	2.10	6.5	8.40	19.9
203	Bloomington IN	2.09	6.5	8.36	19.8
204	Cleveland-Elyria OH	2.09	6.5	8.36	19.8
205	Duluth MN-WI	2.09	6.5	8.36	19.8
206	Springfield OH	2.09	6.5	8.36	19.8
207	Hagerstown-Martinsburg MD-WV	2.08	6.4	8.32	19.8
208	Madison WI	2.08	6.4	8.32	19.8
209	Ocean City NJ	2.08	6.4	8.32	19.8
210	Rocky Mount NC	2.08	6.4	8.32	19.8
211	Youngstown-Warren-Boardman OH-PA	2.08	6.4	8.32	19.8
212	Tyler TX	2.07	6.4	8.28	19.7
213	Billings MT	2.06	6.3	8.24	19.7
214	Brownsville-Harlingen TX	2.06	6.3	8.24	19.7
215	Jacksonville NC	2.06	6.3	8.24	19.7
216	Lexington-Fayette KY	2.06	6.3	8.24	19.7
217	Toledo OH	2.06	6.3	8.24	19.7
218	Akron OH	2.05	6.3	8.20	19.6
219	Bowling Green KY	2.04	6.3	8.16	19.6
220	Burlington-South Burlington VT	2.04	6.3	8.16	19.6
221	La Crosse-Onalaska WI-MN	2.04	6.3	8.16	19.6
222	Milwaukee-Waukesha WI	2.04	6.3	8.16	19.6
223	St. Cloud MN	2.04	6.3	8.16	19.6
224	Columbus IN	2.03	6.2	8.12	19.5
225	Fayetteville NC	2.03	6.2	8.12	19.5
226	Grand Island NE	2.03	6.2	8.12	19.5
227	Salisbury MD-DE	2.03	6.2	8.12	19.5
228	Albuquerque NM	2.02	6.2	8.08	19.5
229	Canton-Massillon OH	2.02	6.2	8.08	19.5
230	Florence-Muscle Shoals AL	2.02	6.2	8.08	19.5
231	Bay City MI	2.01	6.1	8.04	19.4
232	Fond du Lac WI	2.01	6.1	8.04	19.4
233	Lancaster PA	2.01	6.1	8.04	19.4
234	Louisville/Jefferson County KY-IN	2.01	6.1	8.04	19.4
235	Macon-Bibb County GA	2.01	6.1	8.04	19.4
236	Abilene TX	2.00	6.1	8.00	19.4
237	Cheyenne WY	2.00	6.1	8.00	19.4
238	Lima OH	2.00	6.1	8.00	19.4
239	Rochester NY	2.00	6.1	8.00	19.4
240	Rockford IL	2.00	6.1	8.00	19.4
241	Staunton VA	2.00	6.1	8.00	19.4
242	Atlantic City-Hammonton NJ	1.99	6.0	7.96	19.3
243	Gulfport-Biloxi MS	1.99	6.0	7.96	19.3
244	St. Louis MO-IL	1.99	6.0	7.96	19.3
245	Corpus Christi TX	1.98	6.0	7.92	19.3
246	Lawrence KS	1.98	6.0	7.92	19.3
247	Reading PA	1.98	6.0	7.92	19.3
248	Wichita KS	1.98	6.0	7.92	19.3
249	Elizabethtown-Fort Knox KY	1.97	5.9	7.88	19.2
250	New Bern NC	1.97	5.9	7.88	19.2
251	Sierra Vista-Douglas AZ	1.97	5.9	7.88	19.2
252	Tulsa OK	1.97	5.9	7.88	19.2
253	Utica-Rome NY	1.97	5.9	7.88	19.2
254	Charlottesville VA	1.96	5.9	7.84	19.2
255	Dover DE	1.96	5.9	7.84	19.2
256	Greenville NC	1.96	5.9	7.84	19.2
257	Des Moines-West Des Moines IA	1.95	5.8	7.80	19.1
258	Mankato MN	1.95	5.8	7.80	19.1
259	Oklahoma City OK	1.95	5.8	7.80	19.1
260	San Angelo TX	1.95	5.8	7.80	19.1
261	Allentown-Bethlehem-Easton PA-NJ	1.94	5.8	7.76	19.1
262	Syracuse NY	1.94	5.8	7.76	19.1
263	Wausau-Weston WI	1.94	5.8	7.76	19.1
264	Anniston-Oxford AL	1.93	5.8	7.72	19.0
265	Lynchburg VA	1.93	5.8	7.72	19.0
266	St. Joseph MO-KS	1.93	5.8	7.72	19.0
267	Chicago-Naperville-Elgin IL-IN-WI	1.92	5.7	7.68	18.9
268	Evansville IN-KY	1.92	5.7	7.68	18.9
269	Sumter SC	1.92	5.7	7.68	18.9
270	Topeka KS	1.92	5.7	7.68	18.9
271	Terre Haute IN	1.91	5.7	7.64	18.9
272	Ames IA	1.90	5.6	7.60	18.8
273	Columbia MO	1.90	5.6	7.60	18.8
274	El Paso TX	1.90	5.6	7.60	18.8
275	Fargo ND-MN	1.90	5.6	7.60	18.8
276	Jefferson City MO	1.90	5.6	7.60	18.8
277	Laredo TX	1.90	5.6	7.60	18.8
278	Owensboro KY	1.90	5.6	7.60	18.8
279	Roanoke VA	1.90	5.6	7.60	18.8
280	Victoria TX	1.90	5.6	7.60	18.8
281	Hot Springs AR	1.89	5.6	7.56	18.8
282	Joplin MO	1.89	5.6	7.56	18.8
283	Midland MI	1.89	5.6	7.56	18.8
284	Pittsburgh PA	1.89	5.6	7.56	18.8
285	Pittsfield MA	1.89	5.6	7.56	18.8
286	Poughkeepsie-Newburgh-Middletown NY	1.89	5.6	7.56	18.8
287	Trenton-Princeton NJ	1.89	5.6	7.56	18.8
288	Urban Honolulu HI	1.89	5.6	7.56	18.8
289	Ithaca NY	1.88	5.5	7.52	18.7
290	Philadelphia-Camden-Wilmington PA-NJ-DE-	1.88	5.5	7.52	18.7
291	Valdosta GA	1.88	5.5	7.52	18.7
292	Blacksburg-Christiansburg VA	1.87	5.5	7.48	18.7
293	Las Cruces NM	1.87	5.5	7.48	18.7
294	Springfield MA	1.87	5.5	7.48	18.7
295	Weirton-Steubenville WV-OH	1.87	5.5	7.48	18.7
296	Columbus GA-AL	1.86	5.4	7.44	18.6
297	State College PA	1.86	5.4	7.44	18.6
298	York-Hanover PA	1.86	5.4	7.44	18.6
299	Harrisonburg VA	1.85	5.4	7.40	18.6
300	New York-Newark-Jersey City NY-NJ-PA	1.85	5.4	7.40	18.6
301	Parkersburg-Vienna WV	1.85	5.4	7.40	18.6
302	Lebanon PA	1.84	5.3	7.36	18.5
303	Chambersburg-Waynesboro PA	1.83	5.3	7.32	18.5
304	Fort Smith AR-OK	1.83	5.3	7.32	18.5
305	Goldsboro NC	1.83	5.3	7.32	18.5
306	Gettysburg PA	1.81	5.2	7.24	18.4
307	Texarkana TX-AR	1.81	5.2	7.24	18.4
308	Virginia Beach-Norfolk-Newport News VA-N	1.81	5.2	7.24	18.4
309	Washington-Arlington-Alexandria DC-VA-M	1.81	5.2	7.24	18.4
310	Wichita Falls TX	1.81	5.2	7.24	18.4
311	Harrisburg-Carlisle PA	1.80	5.1	7.20	18.3
312	Midland TX	1.80	5.1	7.20	18.3
313	Albany GA	1.79	5.1	7.16	18.2
314	Gadsden AL	1.79	5.1	7.16	18.2
315	Longview TX	1.79	5.1	7.16	18.2
316	Lubbock TX	1.79	5.1	7.16	18.2
317	Norwich-New London CT	1.79	5.1	7.16	18.2
318	Scranton--Wilkes-Barre PA	1.79	5.1	7.16	18.2
319	Amarillo TX	1.78	5.0	7.12	18.2
320	Bismarck ND	1.78	5.0	7.12	18.2
321	Vineland-Bridgeton NJ	1.77	5.0	7.08	18.1
322	Erie PA	1.76	4.9	7.04	18.1
323	Florence SC	1.76	4.9	7.04	18.1
324	Baltimore-Columbia-Towson MD	1.75	4.9	7.00	18.0
325	Kankakee IL	1.75	4.9	7.00	18.0
326	New Haven-Milford CT	1.74	4.8	6.96	18.0
327	Dothan AL	1.73	4.8	6.92	17.9
328	New Orleans-Metairie LA	1.73	4.8	6.92	17.9
329	Wheeling WV-OH	1.73	4.8	6.92	17.9
330	Albany-Schenectady-Troy NY	1.72	4.7	6.88	17.8
331	Beaumont-Port Arthur TX	1.72	4.7	6.88	17.8
332	Dubuque IA	1.71	4.7	6.84	17.8
333	Grand Forks ND-MN	1.71	4.7	6.84	17.8
334	Hattiesburg MS	1.71	4.7	6.84	17.8
335	Bridgeport-Stamford-Norwalk CT	1.69	4.6	6.76	17.7
336	Cape Girardeau MO-IL	1.69	4.6	6.76	17.7
337	Glens Falls NY	1.69	4.6	6.76	17.7
338	Iowa City IA	1.69	4.6	6.76	17.7
339	Tuscaloosa AL	1.69	4.6	6.76	17.7
340	Binghamton NY	1.68	4.5	6.72	17.6
341	Little Rock-North Little Rock-Conway AR	1.68	4.5	6.72	17.6
342	Montgomery AL	1.68	4.5	6.72	17.6
343	Bloomsburg-Berwick PA	1.67	4.5	6.68	17.5
344	Elmira NY	1.67	4.5	6.68	17.5
345	Casper WY	1.66	4.4	6.64	17.5
346	Cedar Rapids IA	1.66	4.4	6.64	17.5
347	Odessa TX	1.66	4.4	6.64	17.5
348	Champaign-Urbana IL	1.64	4.3	6.56	17.4
349	Davenport-Moline-Rock Island IA-IL	1.64	4.3	6.56	17.4
350	Hartford-East Hartford-Middletown CT	1.64	4.3	6.56	17.4
351	Jonesboro AR	1.64	4.3	6.56	17.4
352	California-Lexington Park MD	1.63	4.2	6.52	17.3
353	Cumberland MD-WV	1.63	4.2	6.52	17.3
354	Farmington NM	1.63	4.2	6.52	17.3
355	Altoona PA	1.62	4.2	6.48	17.2
356	Bloomington IL	1.62	4.2	6.48	17.2
357	Waterloo-Cedar Falls IA	1.62	4.2	6.48	17.2
358	Williamsport PA	1.61	4.1	6.44	17.2
359	Hammond LA	1.60	4.1	6.40	17.1
360	Morgantown WV	1.60	4.1	6.40	17.1
361	Johnstown PA	1.59	4.0	6.36	17.1
362	Jackson MS	1.58	4.0	6.32	17.0
363	Pine Bluff AR	1.58	4.0	6.32	17.0
364	Manhattan KS	1.57	3.9	6.28	16.9
365	Anchorage AK	1.56	3.9	6.24	16.9
366	Danville IL	1.56	3.9	6.24	16.9
367	Baton Rouge LA	1.55	3.8	6.20	16.8
368	Huntington-Ashland WV-KY-OH	1.55	3.8	6.20	16.8
369	Springfield IL	1.54	3.7	6.16	16.7
370	Beckley WV	1.53	3.7	6.12	16.7
371	Fairbanks AK	1.53	3.7	6.12	16.7
372	Carbondale-Marion IL	1.52	3.6	6.08	16.6
373	Watertown-Fort Drum NY	1.52	3.6	6.08	16.6
374	Enid OK	1.51	3.6	6.04	16.5
375	Monroe LA	1.51	3.6	6.04	16.5
376	Decatur IL	1.50	3.5	6.00	16.5
377	Lake Charles LA	1.50	3.5	6.00	16.5
378	Peoria IL	1.48	3.4	5.92	16.3
379	Lawton OK	1.45	3.2	5.80	16.1
380	Charleston WV	1.44	3.2	5.76	16.1
381	Alexandria LA	1.43	3.1	5.72	16.0
382	Lafayette LA	1.41	3.0	5.64	15.9
383	Shreveport-Bossier City LA	1.38	2.8	5.52	15.6
384	Houma-Thibodaux LA	1.37	2.7	5.48	15.6

其中：

• 第3列是房價在這期間前後倍數，不是增幅
• 第5列是：第3列乘4，因為3倍杠杆就是4倍增速。
• 第4列和第6列分別是相應的年複利百分比， 共11.75年
• 三倍杠杆是指首付25%，貸款75%，一般投資房的標配

就算是倒數第一名的Houma-Thibodaux LA，若用3倍杠杆的話，隻房價增值收益年複利都有15.6%，應該碾壓同時期的標普五百指數。

以上隻是增值，不包括租金利潤。

次貸危機真是萬年不遇的機遇！

建寧 2023/12/9

所有跟帖： 

• 建寧兄，有沒有數據可以看看何時到高峰，何時到下一低穀？ -start2020- ♀ (167 bytes) () 12/09/2023 postreply 15:06:51

• 過去的數據可以，未來誰有那本事？嗬嗬 -jenning- ♂ (0 bytes) () 12/09/2023 postreply 15:12:07

• 好呀，看看過去的。我也在吧啦過去百時年的spy,看看還能奔幾年 -start2020- ♀ (159 bytes) () 12/09/2023 postreply 15:13:52

• 感謝分享！有沒有數據2008年之前10或20年的 -bobpainting- ♀ (0 bytes) () 12/09/2023 postreply 17:16:42

• 老兄應該再搞個房租增長排名，最好和房價相關聯。 -老朽- ♂ (0 bytes) () 12/09/2023 postreply 15:09:37

• 房價統計數據有很多，各都市區租金沒研究過 -jenning- ♂ (224 bytes) () 12/09/2023 postreply 15:18:00

• 這個指數有一個很大的缺陷，因為數據來自於FM 的貸款，不包括jumbo loan, 所以高房價地區不包括在統計中。 -圭媽- ♀ (69 bytes) () 12/09/2023 postreply 15:20:15

• 對，對房價高的地區不準確。 -jenning- ♂ (120 bytes) () 12/09/2023 postreply 15:23:48

• 高房價地區的房貸很大比例不經過 FM, 所以沒有在這個統計裏 -圭媽- ♀ (0 bytes) () 12/09/2023 postreply 15:27:00

• 對，隻是conforming loan -jenning- ♂ (354 bytes) () 12/09/2023 postreply 15:28:23

• 次貸的時候很多房子可以做conforming loan, 現在房價漲到隻能做 jumbo, 高房價 -圭媽- ♀ (262 bytes) () 12/09/2023 postreply 15:52:17

• 這個指數總起來還是蠻準確的，你可以跟Case-Shiller指數比較一下 -jenning- ♂ (243 bytes) () 12/09/2023 postreply 19:48:34

• 這統計還有個問題是，次貸危機跌幅有多大。重災區在佛州和加州，漲幅大。最慘的如維加斯，鳳凰城，邁阿密，蹦的比例就更高。 -守月- ♀ (0 bytes) () 12/09/2023 postreply 16:14:49

• 對 -jenning- ♂ (0 bytes) () 12/09/2023 postreply 17:52:40

• 謝謝建寧！到處都是綠油油尤其是杠杆的複利。房市股市都趕上了incredible好時候。 -IEbird- ♀ (0 bytes) () 12/09/2023 postreply 15:27:34

• 2023q3 , 美國有些city house price 還在漲， 但有些已經開降了： -yfdc- ♀ (376900 bytes) () 12/09/2023 postreply 16:21:29

• 得州都在降 -start2020- ♀ (0 bytes) () 12/09/2023 postreply 16:24:50

• 這個參考一下而已，地產很local。 本地低價房跌了2/3， 好區10-15%。 -inet-fan- ♂ (0 bytes) () 12/09/2023 postreply 16:31:26

• 跌了2/3， really? -start2020- ♀ (0 bytes) () 12/09/2023 postreply 16:39:22

• 能說說哪裏嗎？還真沒聽說這一輪美國哪兒有掉這麽多的， -悠步天- ♂ (33 bytes) () 12/09/2023 postreply 19:01:21

• 2008 -inet-fan- ♂ (0 bytes) () 12/10/2023 postreply 06:56:11

• 建寧老，這個杠杆算法是否有誤？如果按揭利率是20%，你這個算法還有效嗎 -slow_quick- ♂ (0 bytes) () 12/10/2023 postreply 15:44:43

• 哈哈，那當然無效，快滿兄還真是認真。 -jenning- ♂ (168 bytes) () 12/10/2023 postreply 16:36:44

• 排名第一的Bend應該是在OR CA交界，很多加州人過去投資、買房子 -玻璃坊- ♂ (0 bytes) () 12/11/2023 postreply 08:09:38

• 加州周邊的地區很多受益於加州 -jenning- ♂ (0 bytes) () 12/11/2023 postreply 14:22:32