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Week of April 26, 2004

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* New Single-Family Home Sales Set Record in March
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Economists Differ About Regional Strength of Housing Markets

Two economists speaking at the NAHB Construction Forecast Conference on April 21 presented opposing viewpoints about the strength of regional housing markets.

Mark Zandi, cofounder and chief economist at Economy.com, cautioned that several major metropolitan areas are overbuilt and overpriced and said these markets will decline as interest rates rise.

But Stan Duobinis, founder and president of Crystal Ball Economics, Inc., said regional markets will be able to weather expected interest rate increases because the nation's economy is getting stronger and job growth is increasing.

Zandi, who has been predicting regional housing market setbacks for several years now, said single-family demand has been supported by extraordinarily low borrowing costs, falling transaction costs, more aggressive lending, portfolio shifting and nesting — a situation that is beginning to change.

He also noted that speculation has been creeping into housing markets in California, the Northeast corridor and Florida, and he forecast that demand will weaken appreciably and house prices will decline with even a modest rise in mortgage rates.


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“All roads lead down,” Zandi said. “Some more steeply than others.”

Countering Zandi’s analysis, Duobinis said that job growth, while not yet uniform across the country, will bring net population migration to areas with a strong employment base and will strengthen the housing market in those regions.

“Job growth is connected to housing,” Duobinis said. “When growth gets stronger, you can throw your 33-year-old son out of the house because he can now get his own place. Businesses are hiring again, and it’s not just temporary employees. They are beginning to hire employees on a permanent basis.”

He said 21 states experienced positive job growth from February 2002 to February 2003, and that trend has continued.

Employment is still spotty in the industrial states and the South but strong in the Mountain States and Florida as well as on the rise in the Southeast, California and parts of the Northeast and upper Midwest, he added.

Many of these regions have experienced net in-migration, Duobinis said, and many have also seen an increase in their single-family housing starts.

David Seiders, NAHB’s chief economist and moderator of the conference, argued that house prices are not likely to fall at a stage of the economic cycle where job and income growth are accelerating in most parts of the country and in a housing market with slim inventories almost everywhere.

“The house price bubble issue actually is receding, despite some firming up of the interest rate structure,” Seiders said.

Photos by Morris Semiatin
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