Homes Become More Affordable As Foreclosures Depress ...

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Affordability in Connecticut, 2011 Homes Become More Affordable As

Foreclosures Depress Housing Market

Affordability in Connecticut, 2011 is supported by:

Study Highlights

• In 2011, the state median household income was not sufficient to purchase a home at the town’s median home sales price with a 10% down payment in just over half of the state’s cities and towns – 88 municipalities out of 169. In 2010, 112 municipalities were unaffordable by this measure. Continued declines in home sales prices have led to this increase in home affordability, with 107 of the state’s towns and cities experiencing a decline in median home sales prices when comparing 2011 and 2010.

• In 2011, more municipalities were affordable when comparing town median household income to the income needed to qualify for a mortgage to purchase the median sales price home in that same town – 54 towns and cities were unaffordable in 2011, compared to 96 in 2010. This resulted from a combination of declines in home sales prices and unexpected increases in town median household incomes, with 142 towns posting an increase in their median household income.

• The gap between the state median income and qualifying income was $10,000 or more in 65 municipalities in 2011, down from 81 in 2010. While 13 municipalities had gaps of over $100,000 in 2010, 9 had gaps of over $100,000 in 2011.

• In 2011, the gap between town median income and qualifying income was $10,000 or more in 32 towns and cities, compared to 49 in 2010. Eights towns had gaps exceeding $100,000 in 2010, an increase from five in 2009.

• There was a significant 12.9% decline in single-family home sales from 2010 to 2011, dropping from 24,274 in 2010 to 21,141 in 2011 (excluding non-arm’s length transactions). Median home sales prices increased or remained the same in 62 municipalities in 2011, down from 79 in 2010.

• Once again, the same four towns top the least affordable list when comparing either state median income or town median income to the income needed to qualify for a mortgage in that town. The three least affordable towns – Greenwich, New Canaan and Darien - had median home sales prices over $1,000,000 with qualifying incomes above $400,000. Median household incomes in all of those towns exceeded $120,000.

• When looking at both state and town median household income, the top ten least affordable towns are located in Fairfield County and in Litchfield County.

Comparing the Income Needed to Purchase the Median

Priced Home in Town With:

State Median Income

Town Median Income

Least Affordable1. Greenwich 1. Greenwich

2. New Canaan 2. New Canaan

3. Darien 3. Darien

4. Westport 4. Westport

5. Wilton 5. Washington

Most Affordable1. Waterbury 1. Hebron

2. Bridgeport 2. Union

3. New Britain 3. Hampton

4. Norwich 4. Marlborough

5. Windham 5. Tolland

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www.pSChousing.ORG

http://www.thewarrengroup.com/portal/

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Spetmeber 7, 2012

1 • The CommerCial reCord

©2012 The Warren Group Inc. All rights reserved. No part of this publication may be reproduced without the written consent of the publisher.

FAIRFIELDBETHELBANKRUPTCY - VOLUNTARYFORCELLI Jr, Joseph A, 3 Laughlin Rd, Bethel, 06801-1127 D:08/29/12 Case#: 12-51610 KELSEY, Sarah Ellen, 4 Old Town Rd, Bethel, 06801-3110

D:08/29/12 Case#: 12-51612 LIS PENDEN - FORECLOSUREBROWN, Joyce S, 6 Idlewood U:6, Bethel. Plaintiff:Wells Fargo Bank NA D:08/24/12LIMA, Maria & Carlos A Lima, 8 Grace Ct, Bethel.

Plaintiff:Citimortgage Inc D:08/24/12LIEN-ATTACHMENTBACON, Edward G, 60 Taylor Ave, Bethel. Plaintiff:Asset Acceptance LLC Type:JL D:08/27/12 Amt:$8,406

CASALI, Meghan, 11 Courtland Dr, Bethel. Plaintiff:Danbury Hospital Type:JL D:08/24/12 Amt:$500CASALI, Meghan, 11 Courtland Dr, Bethel. Plaintiff:Danbury Hospital Type:JL D:08/24/12 Amt:$500

KASTNER, Franz M, 52 Maple Avenue Ext, Bethel. Plaintiff:Cavalry SPV I LLC Type:JL D:08/27/12 Amt:$6,648

SIMONELLI, Robert J, 23 Codfish Hill Rd, Bethel. Plaintiff:Mazda America Credit Type:JL D:08/29/12 Amt:$1,484

SIMONELLI, Robert J, 23 Codfish Hill Rd, Bethel. Plaintiff:Mazda America Credit Type:JL D:08/29/12 Amt:$1,484

STATE TAX LIENGALLAGHER, Theodore & Viola Gallagher, 14 Putnam Park Rd, Bethel, 06801-2221 D:08/27/12 Amt:$14,573BRIDGEPORT

BANKRUPTCY - VOLUNTARYINTHIRATH, Kongkham, 100 Chamberlain Pl, Bridgeport, 06606-4811 D:08/31/12 Case#: 12-51620 TASSI, Alexandre L, 463 Fairview Ave, Bridgeport, 06606-

4602 D:08/27/12 Case#: 12-51594 BANKRUPTCY CHAPTER 11ZERODRAFT INSULATION LLC, 1085 Connecticut Ave, Bridgeport, 06607-1207 D:08/28/12 Case#: 12-51603

BANKRUPTCY CHAPTER 13FAJARDO, Jorge W, 217-219 Hough Ave, Bridgeport, 06608-2818 D:08/28/12 Case#: 12-51604 HENRY, Millicent R, 496 Hart St, Bridgeport, 06606-4738

D:08/31/12 Case#: 12-51615 MCLAUGHLIN, Shirley D, 1247 Kossuth St, Bridgeport, 06608-1133 D:08/28/12 Case#: 12-51602

FORECLOSE AUCTION-PUB NOTICE#109/15/12 12:00:00 PM 610 Brooklawn AveOwner:CENTURY 21 AAA RLTY INCLender:UPS Capital Business Cred Deposit: $30,500

Ref#:10-6014019Atty:Kieran Joseph Costello 203-254-334009/15/12 12:00:00 PM 1012 E Main StOwner:PENA REALTY HLDNG CO LLCLender:Plymouth Park Tax Svcs Deposit: $317,500

Ref#:10-6014211Atty:Ronald D Japha 202-336-448109/15/12 12:00:00 PM 2600 Park Ave U:1UOwner:DERMAN, JudithLender:Park Royal Of Bdpt Deposit: $6,800

Ref#:12-6025929Atty:Maureen E Driscoll 203-955-130009/22/12 12:00:00 PM 141 Marconi Ave U:141Owner:HULSE, BrianLender:Ameridge 2 Condos Inc Deposit: $8,500

Ref#:11-6020975Atty:Timothy Michael Pletter 203-378-667509/29/12 12:00:00 PM 70-72 Kent AveOwner:FRAGOSO, CatalinaLender:Webster Bank NA Deposit: $16,400

Ref#:11-6016186Atty:Elizabeth Stuckal 203-259-1796LIS PENDEN - FORECLOSURE501 PARK ST LLC, Bridgeport. Plaintiff:Tower Lien LLC D:08/20/12

AGUILERA, Jose, 83 Voight Ave, Bridgeport. Plaintiff:PNC Bank NA D:08/20/12

ALMAJANO, Jogene, 640 Ezra St, Bridgeport. Plaintiff:Webster Bank NA D:08/15/12BARNES, Dawion, 217 Lewis St, Bridgeport.

Plaintiff:Freedom Mortgage Corp D:08/20/12CUEVAS, Maria, 117 Dean Pl U:117, Bridgeport. Plaintiff:Fairfield County Bank D:08/15/12DHAMALIE, Jheanell, 20 Leslie Rd U:c, Bridgeport.

Plaintiff:3000 Madison Ave Condos D:08/15/12DOMINGUE, Vaillant, 679 Lakeside Dr, Bridgeport. Plaintiff:JP Morgan Chase Bank NA D:08/20/12

DONDELE, Maria, 822 Colorado Ave, Bridgeport. Plaintiff:HSBC Bank USA NA D:08/15/12GREENE, Dianne, 291 Remington St, Bridgeport.

Plaintiff:American Tax Funding LLC D:08/21/12GUBIEL, Lubia, 342-344 French St, Bridgeport. Plaintiff:Wells Fargo Bank NA D:08/20/12HO, Dong, 1213 E Main St, Bridgeport. Plaintiff:Deutsche

Bank Natl T Co D:08/21/12KABONGO, Mbuya, 271-273 Bradley St, Bridgeport. Plaintiff:US Bank NA D:08/21/12KENLEY, Regina, Bridgeport. Plaintiff:Cenlar FSB

D:08/20/12MCKENZIE, Claire, Bridgeport. Plaintiff:US Bank NA D:08/20/12

MCRAE, Eugene, 145 Shell St, Bridgeport. Plaintiff:HSBC Bank USA NA D:08/16/12MILLICENT, Henry, 496 Hart St, Bridgeport. Plaintiff:Wells

Fargo Bank NA D:08/15/12ORTIZ, Jesus, Bridgeport. Plaintiff:Citimortgage Inc D:08/20/12

PLUMEY, Miguel, Bridgeport. Plaintiff:Citimortgage Inc D:08/20/12

PORTER, Cynthia, 605 Pembroke St U:4, Bridgeport. Plaintiff:Midfirst Bank State SB D:08/15/12QUISPE, Yolanda, 68-70 Ford Pl, Bridgeport. Plaintiff:US

Bank NA D:08/21/12RAINY FAYE LLC, 3300 Park Ave, Bridgeport. Plaintiff:Community Economic Dev Fu D:08/16/12

RIODIN, Jacqueline, 130-132 Lincoln Ave, Bridgeport. Plaintiff:Citibank NA D:08/20/12RYAN, Gina, 71 Washington Ter, Bridgeport. Plaintiff:JP

Morgan Chase Bank NA D:08/20/12SELHORST, Charles, 107 Kennedy Dr U:107, Bridgeport. Plaintiff:Wells Fargo Bank NA D:08/16/12SZILAGYI, George, 325 Ruth St, Bridgeport. Plaintiff:US

Bank NA D:08/20/12TANNOUS, Elias, 714-716 Iranistan Ave, Bridgeport. Plaintiff:US Bank NA D:08/20/12THOMPSON, Mitchell, 321 Remington St, Bridgeport.

Plaintiff:Deutsche Bank Natl T Co D:08/15/12TORRE, Christopher, 325 Lafayette St U:3003, Bridgeport. Plaintiff:Wells Fargo Bank NA D:08/21/12TUOZZOLI, Richard, Bridgeport. Plaintiff:Citimortgage Inc

D:08/20/12VASSELL, Suzette, 376-378 Exeter St, Bridgeport. Plaintiff:US Bank NA D:08/16/12WASHINGTON, William, 45 Valley Ave, Bridgeport.

Plaintiff:Deutsche Bank Natl T Co D:08/15/12WEISS, Paula, 475 Ruth St, Bridgeport. Plaintiff:US Bank NA D:08/20/12

WILLIAMS, Charles, 3907 Old Town Rd, Bridgeport. Plaintiff:Provident Funding Assoc D:08/20/12WILLIAMS, Terence, 122 Polk St, Bridgeport.

Plaintiff:HSBC Bank USA NA D:08/21/12ZEPPIEREI, Christina, 2034 Madison Ave, Bridgeport. Plaintiff:Deutsche Bank Natl T Co D:08/15/12LIS PENDEN - NON-FORECLOSUREBOSIK, Mark, Bridgeport. Plaintiff:June Bosik D:08/15/12

CASTRO, Rita, 70 Weber Ave U:2c, Bridgeport. Plaintiff:Weldwood Condos D:08/16/12CUARENTA, Corrina, Bridgeport. Plaintiff:Bridgeport

Gardens D:08/16/12DEJOSEPH, Marie, 325 Lafayette St U:5204, Bridgeport. Plaintiff:Lofts On Lafayette D:08/20/12DONALDSON, Kimberly, 3430 Madison Ave U:11,

Bridgeport. Plaintiff:Meadowview Townhouse D:08/20/12

CREDIT RECORDSSeptember 7, 2012

1 • The CommerCial reCord

©2012 The Warren Group Inc. All rights reserved. No part of this publication may be reproduced without the written consent of the publisher.

How To Read The Records ....3

Fairfield County ...................... 5

Hartford County .................... 17

Litchfield County ................... 28

Middlesex County ................. 32

New Haven County ............... 34

New London County ............. 43

Tolland County ...................... 46

Windham County .................. 47

CONNECTICUT WEEKLY MORTGAGE REPORT

RECORDS

SECTION

■ CON: Conventional ■ ARM: Adjustable-rate mortgage

Lender Name Type Term Rate% Pts $Max

BANK OF AMERICA HOME LOANS CON 30 3.5 0.75 417

CON 15 2.75 1.125 417

CON 30 3.875 0.75 650

CITIBANK, FSB CON 30 3.875 0.25 417

CON 15 3.125 0.125 417

ARM 5/1/30 3.125 0 417

CITIZENS BANK CON 30 3.875 0 417

CON 15 3.125 0 417

ARM 5/1/30 2.625 0 417

FAIRFIELD COUNTY BANK CORP CON 30 3.5 0 417

CON 20 3.5 0 417

CON 15 2.875 0 417

FIRST COUNTY BANK CON 30 3.625 0 417

CON 15 3 0 417

ARM 3/1/30 2.5 0 417

HUDSON CITY SAVINGS BANK CON 30 4.375 0 417

CON 20 3.875 0 417

CON 15 3.375 0 417

NAUGATUCK SAVINGS BANK CON 30 3.75 0 417

CON 20 3.625 0 417

CON 15 3 0 417

SAVINGS BANK OF DANBURY CON 30 3.625 0 417

CON 20 3.375 0 417

CON 15 3 0 417

SOVEREIGN BANK CON 30 3.625 0 417

CON 15 2.99 0 417

ARM 5/1/30 2.5 0 417

TD BANK CON 30 3.875 0 417

CON 15 2.99 0 417

ARM 1/ 30 2.55 0 417

WEBSTER BANK CON 30 3.875 0 417

CON 15 3.125 0 417

ARM 5/1/30 2.75 0 417

WELLS FARGO HOME MORTGAGE CON 30 3.75 0 417

CON 20 3.5 0 417

CON 15 2.875 0 417 2.5

2.8

3.1

3.4

3.7

CONNECTICUT

ONE-YEAR ADJUSTABLE RATE MORTGAGES

2.83.03.23.43.63.84.04.24.44.64.8

CONNECTICUT

15-YEAR FIXED RATE MORTGAGES

CONNECTICUT


3.75

4.00

4.25

4.50

4.75

5.00

5.25

5.50CONNECTICUT


MAYNOV

FEB MARAUG SEPT

OCT DEC JAN APR JUN JUL

MAYNOV

FEB MARAUG SEPT


MAYNOV

FEB MARAUG SEPT


REAL ESTATE RECORDS

INDEXCEO and Publisher

Timothy M. Warren Jr.

President and COO

David B. Lovins

Published weekly by

280 Summer Street

Boston MA, 02210

www.thewarrengroup.com

Annual Subscription Price $288

14 | The Commercial Record | May 2012

sta

te

sTa

Tis

TiC

s

pr

ice

pr

ice

*Statistics include sales January-March (cumulative) - All Years

Source: The Warren Group

20- Year Residential

Median Prices

top Lenders by

Market share

Refinance Mortgages

2-and 3-Family Median Price

0

$50,000

$100,000

$150,000

$200,000

$250,000

$300,000

20122011

20102009

20082007

20062005

20042003

2002

3-Family

2-Family

0

$50,000

$100,000

$150,000

$200,000

$250,000

$300,000

121110090807060404030201009998979695949392

Condo

Single-Family

*All Median Prices January-March (cumulative) - All Years


02

46

810

12

2011

2012Wells Fargo Bank NA

Webster Bank

JP Morgan Chase Bank

Peoples United Bank

Bank Of America FSB

8.87%

11.03%

20122011

02

46

810

12

2011

2012

7.15%

5.36%

02

46

810

12

2011

2012

5.89%

6.28%

02

46

810

12

2011

20124.14%

4.19%

02

46

810

12

2011

20123.57%

5.87%

8.87%

11.03%

7.15%

5.36%

5.89%

6.28%

4.14%

4.19%

3.57%

5.87%

**MarketShare percent includes loans through March


GAME CHANGER

INSIDE

CONNECTICUT’S BUSINESS MAGAZINE

MAY 2012

W W W . C O M M E R C I A L R E C O R D . C O M

How QM, QRM Could Force Some Home Lenders Out Of The Game

TRUST & ESTATE PLANNING

FHFA PONDERING PRINCIPAL CUTS

ALIEN CONCEPTS

ORANGE BLOSSOMS

May 2012 | The Commercial Record | 15

nu

mb

er

of

fil

ing

s

nu

mb

er

of

sa

le

s

10-Year Single Family Sales

Top Lenders by Market Share Refinance MortgagesNumber of Single-Family Sales by Price Range

Lis Pendens and Foreclosure Deeds by Month

nu

mb

er

of

sa

le

s

0

1,000

2,000

3,000

4,000

5,000

6,000

7,000

8,000

20122011

20102009

20082007

20062005

20042003

2002



2010

0

600

1200

1800

2400

3000

MarFebJanDecNovOct

SepAugJulJunMayAprMar

FebJanDecNovOctSepAugJulJunMayApr

Mar

2011

Foreclosure Deeds

Lis Pendens

2012



20012007

20031998

19931988

2,000

3,000

4,000

5,000

6,000

20012007

20031998

19931988

0

200

400

600

800

1,000

$700K+$500k-$699k

$400k-$499k$300k-$399k

$0-$299k




Celebrating 130 Years

In honor of The Commercial Record’s 130th year, the staff is taking a look back at our coverage from decades past. Take a

stroll down memory lane with us as we reflect the news of yesterday and take a look at how far we’ve come. A lot has changed

since the first CR hit the press in 1882 – but our mission and values have remained the same. Is your company celebrating

an important anniversary this year? B&T wants to know! Send an email with details to [email protected]

May 1, 1992 – 20 years ago

The housing market wasn’t great

in ’92. At The Commercial Record,

it was compared it to the housing re-

cession of the early ’80s.In 1980 interest rates spiked, and a

severe recession followed in 1981 and

1982. In the aftermath of the recession,

a large pool of the population shut out

of the housing market in the early ’80s

eagerly embraced homeownership … per-

mit activities were 38-61 percent higher

in 1986 than in 1991, illustrating how

economic conditions can radically affect

the housing industry.While the housing market in 2012 is limping its way to recov-

ery, we should look to the past to see the telltale signs of another

recession.


Kick-backs and bribes have al-

ways been a bone of contention in

the banking industry. Clients gifted

bankers with dinner, tickets and even

alcohol, in hopes of receiving prefer-

ential treatment. The problem boiled

over in 1972 when George Romney

(Mitt’s father), then the U.S. secre-

tary of housing and urban develop-

ment, released a very frank letter to

his employees.It is time for plain language. I am sick

and tired of the cases being brought to my

attention from the press, the Congress, the

Justice Department and our Office of In-

spector General, which shows that some of our employees are accepting favors in

the form of meals, gifts, entertainment, preferential treatment in business deal-

ings and other gratuities from those who participate in our programs. There

is no excuse for this kind of petty chiseling and in some cases outright bribery.

These days, there are severe penalties for employees who take

kickbacks from customers. Deals, especially in the housing market,

should be unilaterally fair. While Romney was one of the first to open-

ly address this corruption, he would not be the last. Many agencies

have adopted a “no kickback” policy and monitor their employees

extensively to make sure all deals are fair and no one is given prefer-

ential treatment.


Just prior to the beginning of

the New Deal, infrastructure was

on everyone’s mind. The focus was

on truckers and how an expanded

highway system would greatly bene-

fit commercial dealings. At the time,

funds were lacking for road and

highway repair, and the streets were

suffering after dealing with years of

traffic from heavy vehicles.As better roads are provided, mo-

tor trucking will increase by leaps and

bounds, transportation students declare,

and the value of highways to the country

will immeasurably increase because of the

cost benefits brought by quicker and less

costly transportation.Just a year later, the New Deal (and its extensive infrastructure im-

provements) would solve their problems, as well as create thousands

of new construction jobs. The country was in need of expansion and

that’s exactly what it got.


With the Great Depression only

seven years away, the markets were

looking stable – even better, they

were looking great. New corpora-

tions were forming all over the place

in Connecticut and interest rates on

mortgages declined from 7 to 6 per-

cent. Production was increasing and

prices were rising steadily.Business improvement is progressing

most satisfactory from every standpoint in

practically all lines where the depression

peak has been long since passed. Reports

from Washington show that unemployment

has in large measure disappeared, and

within a comparatively short time there will

be a shortage of unskilled labor.We hope they enjoyed those few years of prosperity. In just a few

years unemployment would skyrocket to over 20 percent. That short-

age of unskilled labor would turn into a surplus of terrified people

looking for any job available.

The country is feeling

optimistic – the Great Depression is seven

years away, and no one

sees it coming.

Bemoaning the state of

the country’s infra-structure, mere months

before the passage of

the New Deal.

The original Romney lays

down the law on banker

kickbacks.

There are lessons to be

learned from previous

recessions.


FairField140 Federal Rd, Brookfield .............$5,527,524

Use: ............................................Commercial Building

Buyer: .......................................... S&W Brookfield LLC

Seller: ................................. Boulevard Plaza Assoc LP

Mtg: .................................. Key Bank NA $14,782,500

Date: ............................................................ 03/05/12

Total Assessed Value (2011): .....................$2,496,490

Lot Size: ....................................................... 492228sf

106 Federal Rd, Brookfield .............$4,084,496



Seller: ................................................ BDAC Assoc LP

Mtg: .................................. Key Bank NA $14,782,500

Date: ............................................................ 03/05/12


Lot Size: ....................................................... 364597sf

Prior Sale: ........................................$948,000 (12/88)

157 Rowayton Ave, Norwalk ...........$2,296,667

Use: .......................................................Retail-Service

Buyer: ................................................ Elodie & Co LLC

Seller: .................................. 157 Rowayton Ave Prtnrs

Mtg: .........................Darien Rowayton BK $1,226,975

Date: ............................................................ 03/08/12

Total Assessed Value (2011): ........................$669,900

Lot Size: ........................................................... 2614sf

Prior Sale: ........................................$460,000 (03/98)

HartFord778 West St, Southington .............$10,684,918

Use: ................................................................... Motel

Buyer: ..................................... V8-H3 West Street LLC

Seller: ..................................... Southington Suites LLC

Date: ............................................................ 02/28/12


Lot Size: ....................................................... 233046sf

Prior Sale: .....................................$1,100,000 (02/01)

24 Thompson Rd, East Windsor ......$6,000,000

Use: .................................................Industrial Building

Buyer: ....................................STAG East Windsor LLC

Seller: ....................................... 24 Thompson Rd LLC

Date: ............................................................ 03/02/12


Lot Size: ....................................................... 629006sf

Prior Sale: .....................................$4,200,000 (11/06)

401 New State Rd, Manchester ......$2,000,000


Buyer: ........................................ New State Props LLC

Seller: .........................New State RT & Eliot I Snider Tr

Mtg: ........................ Peoples United Bank $1,260,000

Date: ............................................................ 03/08/12


Lot Size: ....................................................... 197762sf

Prior Sale: ...................................................$1 (01/09)

litcHField61 Main St, Torrington .......................$400,000


Buyer: .............................. Northwest Community Colla

Seller: ......................... David E Dean & Virginia K Dean

Mtg: .......................................David E Dean $400,000

Date: ............................................................ 04/02/12


Lot Size: ........................................................... 6970sf

Prior Sale: ........................................$180,000 (07/93)

6 Kruskyville Rd, Bridgewater ...........$350,000


Buyer: ..................................................Holland JV LLC

Seller: .............................................. Webster Bank NA

Date: ............................................................ 03/07/12


Lot Size: ......................................................... 56628sf

Prior Sale .........................................$241,500 (08/91)

15 E Shore Rd, Washington ...............$337,500

Use: .......................................................Retail-Service

Buyer: ...........................................15 East Shore Road

Seller: ............................................. 18 Titus River LLC

Date: ............................................................ 03/27/12


Lot Size: ........................................................... 4356sf

Prior Sale: ........................................$400,000 (04/07)

Middlesex6 John Street Ext, Clinton..................$700,000

Use: ............................. Mixed Use-Prim Res & Comm

Buyer: ............................................ Annette Losquadro

Seller: ................................................Richard Mazzella

Date: ............................................................ 02/22/12


Lot Size: ......................................................... 19166sf

Prior Sale: ........................................$150,500 (09/98)

238 Main St, Old Saybrook ................$650,000


Buyer: ............................................ Main St Realty LLC

Seller: ................. Darlene Graves, Tr for Dawn M Odell

Mtg: ......................................Dawn M Odell $185,000

Date: ............................................................ 03/19/12


Lot Size: ......................................................... 41818sf

Prior Sale: ..........................................$75,000 (04/89)

27 W Main St, Clinton ........................$325,000


Buyer: .........................................27 West Main St LLC

Seller: .................................................... Terance Boyle

Date: ............................................................ 02/29/12


Lot Size: ......................................................... 16117sf

Prior Sale: ........................................$230,000 (03/10)

top CoMMeRCial TRansaCTions

Visit www.commercialrecord.com for a complete list of commercial transactions updated weekly

top 3 statewide

778 West St, Southington .............$10,684,918

Use: ................................................................... Motel

Buyer ...................................... V8-H3 West Street LLC

Seller: ..................................... Southington Suites LLC

Date: ............................................................ 02/28/12


Lot Size: ....................................................... 233046sf

Prior Sale: .....................................$1,100,000 (02/01)

24 Thompson Rd, East Windsor ..... $6,000,000


Buyer: ....................................STAG East Windsor LLC

Seller: ....................................... 24 Thompson Rd LLC

Date: ............................................................ 03/02/12


Lot Size: ....................................................... 629006sf

Prior Sale: .....................................$4,200,000 (11/06)

140 Federal Rd, Brookfield ............ $5,527,524



Seller: ................................. Boulevard Plaza Assoc LP

Mtg: .................................. Key Bank NA $14,782,500

Date: ............................................................ 03/05/12


Lot Size: ....................................................... 492228sf

To subscribe visit www.commercialrecord.com today or call 800-356-8805 ext. 315.

Affordability in CT2011

WWW.PSCHOUSING.ORG PAGE 2

About the StudyEach year, the Partnership for Strong Communities, which staffs the HOMEConnecticut Campaign, conducts this study which analyzes the affordability of homes in Connecticut based on the median sales price of single-family homes and the median household income of residents. The goal of the project is to determine whether, in a given town, a home at median sales price for that town was affordable to a household earning the state median household income and the town median household income. This study analyzes data for 2010 and 2011. Studies from previous years can be found at www.pschousing.org/publications. (Released October 2012.)

MethodologyTo determine the affordability of a given town, we calculated the income necessary to qualify for a mortgage for a median sales priced home in that community based on a conservative formula. The formula includes a 4.5% fixed-rate, 30-year mortgage, 1% annual property tax rate (based on fair market value), a 2.1% mortgage insurance premium and $60 per month in property insurance. The formula assumes that the buyer has 10% of the purchase price for a down payment and no other outstanding debt, such as home equity loans, credit cards, auto loans or student loans. We then compared that qualifying income with state median household income and again with the town median household income. A town or city was considered unaffordable if its median household income was lower than the qualifying income.

In studying this analysis, it should be noted that the terms we used make it likely that even the “affordable towns” shown in this study will not be affordable to many families. A family earning the median household income with no debt, that has a 10% down payment saved and lives in a town with a 1% property tax rate is a rare commodity. Additionally, this study uses median income in determining affordability—therefore, many households fall well below the median incomes presented in our analysis.

DataMedian single-family home sales data for 2010 and 2011 was provided by the Warren Group and does not include non-arm’s length transactions. Median household income data for 2010 and 2011 was provided by Connecticut Economic Resource Center Data Finder, Applied Geographic Solutions. Both median income levels and median sales prices are based on data averaged over the course of a calendar year. Housing wage rental statistics are taken from the National Low Income Housing Coalition’s “Out of Reach 2012” report.

www.pschousing.org

http://www.pschousing.org

http://www.pschousing.org/homeconnecticut

http://www.pschousing.org/publications

http://www.thewarrengroup.com/portal/

http://cerc.com

http://www.nlihc.org/oor/oor2011/

Summary of FindingsThe ability to afford a home in Connecticut remains challenging in many of the state’s municipalities in spite of significant declines in median home sales prices throughout the state in 2011. Data gathered and analyzed for Affordability in Connecticut 2011 show that although home sales prices continue to fall, there remained 88 towns and cities in the state where the state median household income was not enough to qualify for a mortgage for a home at the median sales price in 2011. This is an improvement from 2010, when there were 112 municipalities unaffordable by this measure. The town median household income was not high enough to qualify for a typical mortgage for the median-priced home in 54 towns and cities in Connecticut in 2011, whereas 96 were unaffordable when looking at town income in 2010.

The increase in the number of towns and cities which were more affordable in 2011 rests on the combination of the continuing slump in home prices experienced in 2011, spurred by a sharp decline in the volume of home sales, and an increase in median household incomes for municipalities across the state. After an increase in the statewide median home sales price from $240,500 in 2009 up to $250,000 in 2010, Connecticut again saw home prices decline in 2011 with a median of $243,000. This was accompanied by a 12.9% drop in the number of home sales in 2011, diving from 24,270 in 2010 to just 21,141 in 2011, in spite of historically low mortgage interest rates. The drop in sales volume can be partially attributed to the combination of the economic recession and more stringent underwriting standards that require excellent credit histories and significant 15-25% downpayments from buyers. Sales volume in 2011 was primarily concentrated in Fairfield (5,750 sales), Hartford (5,195 sales) and New Haven (4,684 sales) Counties, with the remaining five counties together totaling just 5,512 sales. This low sales volume also means that the median home sales price for each town can fluctuate significantly as new sales are recorded.

Despite the recession, median household income data calculated by Applied Geographic Solutions for the Connecticut Economic Resource Center (CERC) show increases for Connecticut and most of its municipalities. The median household income for the state grew by 7.6% from 2010 to 2011, climbing to $70,705 from $65,686. Town median household income grew for 141 of the state’s towns and cities, with an average increase of $7,209. For the 28 municipalities that experienced a decrease in median household income, the average decline was $6,905; 15 of these municipalities were located in Fairfield, Middlesex and Litchfield Counties – counties which all had median household incomes exceeding the state’s median household income.

Unlike median household income, median home sales prices generally declined throughout the state, with 107 municipalities posting decreases averaging $31,280. A little over a third of the state’s cities and towns saw their median home sales price increase, with the average increase at $16,509. The downward pressure on home prices combined with the upward swing in income resulted in more municipalities with affordable home prices for the typical household when compared to previous years.

The Effects of ForeclosureOf course, much of the decline in home prices has resulted from the mortgage crisis which hit the state in 2008. Foreclosure deed filings and lis penden filings (a notice of pending claims against the property) dropped in 2011 due to the foreclosure

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moratoriums established by banks in response to the “robo-signing” scandals of 2010. While the volume of foreclosure activity dipped in 2011, it is expected to increase in 2012 with the lifting of the moratoriums and the approval of settlement agreements between the federal government and several major banks regarding the “robo-signing” practices that were

used by the banks and their servicers. With these settlements in place, it is expected that banks and servicers will begin to move forward with more foreclosures which may exert downward pressure on home prices.

While home sales prices have declined, the number of people who have lost their homes due to foreclosure has put increasing pressure on the rental market in Connecticut. The housing wage – the hourly wage need to earn enough to afford a typical two-bedroom apartment – for Connecticut was $23.37 in 2011 and rose to $23.58 in 2012. The housing wage is calculated for every state by the National Low Income Housing Coalition and the data shows that while the housing wage decreased in 41 states from 2011 to 2012, Connecticut was one of the 10 states where the housing wage increased (includes the District of Columbia). 2010 American Community Survey data from the Census Bureau shows that 51% of renters spent over 30% of their income on housing, with an estimated 27% spending over half of their income on rent.

Fairfield, Litchfield Towns Dominate Least Affordable Lists Geographically, it is unsurprising that municipalities in Fairfield County dominate the list of places where home prices are highest and where the gap between the median housing income, whether town or state, and qualifying income is highest. Eight of the ten municipalities with the largest gap between the state median household income and qualifying income are located in Fairfield County and two of the towns are in Litchfield County. When looking at town median household income, seven of the top ten least affordable municipalities are located in Fairfield County and three are located in Litchfield County. In these municipalities, the lack of affordability is driven by home prices that are quite high – all of the ten least affordable municipalities have median home sales prices exceeding $400,000, with the median homes sales price of the three least affordable municipalities posting at over $1.3 million. Because home prices are so high in these municipalities, even their very high town median household incomes - in excess of $100,000 for Greenwich, New Canaan and Darien – do little to make them more affordable.

Meanwhile, for many of Connecticut’s poor communities housing prices may be low, but town median income also tends to be depressed; as a result, even though home prices are low in many of Connecticut’s cities, many of the residents of those cities lack the incomes that are high enough to afford to buy a home there making them unaffordable when comparing the qualifying income for the median home sales price to town median household income. Conversely, when comparing the qualifying income to the state median household income, many of Connecticut’s cities fall in the most affordable range, with Waterbury as the most affordable and Bridgeport, Hartford, New London, Windham, Norwich and New Britain all in the top ten of most affordable municipalities in which to buy a home.

Visit www.pschousing.org/publications to view Affordability in Connecticut, 2011 and studies from previous years on the web. For more information about the study, contact David Fink, Policy Director, Partnership for Strong Communities, 860-244-0066, [email protected].


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http://www.pschousing.org/publications

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rda

bili

ty in

CT

2011

WW

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SCH

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G.O

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GE

10

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ian

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CT

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WW

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SCH

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CT

2011

WW

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SCH

OU

SIN

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Affo

rda

bili

ty in

CT

2011

WW

W.P

SCH

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G.O

RGPA

GE

17

Cou

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2010

2011

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Affo

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ty in

CT

2011

WW

W.P

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2010

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% C

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e20

10 =

$6

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$73,

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$64,

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-$27

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www.pschousing.org

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CT

2011

WW

W.P

SCH

OU

SIN

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GE

19

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2010

2011

% C

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e20

10 =

$6

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0,70

520

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119

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www.pschousing.org

Affo

rda

bili

ty in

CT

2011

WW

W.P

SCH

OU

SIN

G.O

RGPA

GE

20

Cou

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2010

2011

% C

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e20

10 =

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620

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www.pschousing.org

Affo

rda

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ty in

CT

2011

WW

W.P

SCH

OU

SIN

G.O

RGPA

GE

21

Cou

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2010

2011

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e20

10 =

$6

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620

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0,70

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Affo

rda

bili

ty in

CT

2011

WW

W.P

SCH

OU

SIN

G.O

RGPA

GE

22

Cou

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Tow

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261

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www.pschousing.org

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