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Why all the interest? First, the price of housing, particularly in some "hot" areas of the country, has seen annual double digit growth over the last five years?up to 50 percent per year in Las Vegas! Second, the housing affordability index has been dropping. This index is a measurement of those who can qualify for a mortgage on a median priced house given current interest rates, a 20 percent down payment, and the median income in the area. For example, the average cost of a house in California as of November 2005 was $545,910, and the median salary was $54,140?less than half the salary needed to qualify for a mortgage...
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