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Rising prices and plummeting listings — not to mention a global pandemic, record unemployment and recession — didn’t keep first-time home buyers from the market in the second quarter of 2020.Ordinarily, in April, as the second quarter of the year begins, homebuying season is well underway, and inventory and prices are both rising toward a summer peak. But the second quarter of 2020 was unusual, to say the least.Across the nation and among the most populous metropolitan areas, prices increased modestly in the second quarter and inventory became even more constrained in an already sparse market. Homeowners who’d been planning to sell reconsidered — though listings ticked up slightly in April, they fell sharply in May and June — and people who’d been thinking of buying, at a minimum, took a beat. But real estate professionals scrambled to implement virtual tours and finalize home purchases in parking lots, and market participants, particularly economically secure buyers, cautiously came out of hiding.Lured in part by record low mortgage rates, first-time home buyers made up 35% of existing home sales in June, according to the National Association of Realtors, a higher share than in the past several years. For first-timers who have stability in the COVID-19 economy, and the wherewithal to stomach a highly competitive market, buying can still make sense.In this quarterly report, we analyze median incomes in the first-time home buyer age range (25-44) compared with listing prices among the 50 most populous metro areas to come up with an affordability ratio. Budgeting for a home that costs roughly three times your annual income (an affordability ratio of 3.0) has been a rule of thumb for years, but first-time buyers often have to stretch beyond this to account for higher prices in metro areas and their lower incomes compared with repeat buyers. By weighing the affordability ratio versus home availability in the largest metro areas, we can get an idea of the conditions first-time buyers are facing when they set out to become homeowners.By looking at both quarter-over-quarter and year-over-year changes, we can get a better picture of the effects of the COVID-19 economy on this year’s homebuying market. The former can provide insight into chronological market responses to the pandemic — our first-quarter affordability report captured data only through March, just the beginning of 2020’s atypical spring season. The latter can show how this year’s second quarter contrasts with similar periods in relatively normal times.Affordability down overallHouses got slightly more out of reach for first-time home buyers in April through June, rising nationally from 4.5 times first-time home buyer income in the first quarter to 4.7 times in the second, and among the 50 largest metros from 5.1 to 5.2 times first-time buyer income. This trend is expected at this time of year. Home prices rise as the housing market heats up in the late spring and summer, but incomes don’t rise in a similar seasonal fashion. If anything, we might’ve expected a more dramatic change, but economic uncertainty on the part of sellers could have kept steeper list price increases at bay.Nine of the 50 metros analyzed bucked this trend and saw affordability improve, but barely, sometimes only by a fraction of a percent.The five most affordable metros for first-time home buyers in the second quarter include Pittsburgh (homes listed at 3.1 times first-time buyer income), St. Louis (3.4), Cleveland (3.5), Hartford, Connecticut (3.5), and Buffalo, New York (3.6). The least affordable, all in California, include Los Angeles, topping the list for the second quarter in a row, with homes listed at 12 times first-time buyer income; San Diego (9.0); San Jose (8.2); San Francisco (7.6); and Sacramento (6.6).First-time buyer guidance: Homes get less affordable in late spring to early summer, and in this regard, the second quarter of 2020 is no different. First-time buyers who are economically secure may be able to make up for the rise in home prices by qualifying for record low mortgage rates. For example, the monthly payment on a 0,000 mortgage at 4.1% interest — roughly the average rate a year ago — is ,160 per month, with 7,483 in interest over the 30-year life of the loan. However, at today’s rate of 3.1%, you’d pay ,025 per month and 8,942 in interest over the life of the loan — nearly ,000 in savings, total, and a 5 monthly break on your payment. Use a mortgage calculator to see what the difference in rates means for your budget.Unseasonal scarcity in the second quarterEven in years when supply is limited, an influx of homes hits the market during the spring homebuying season. Nationally, inventory grew 10% from the first to the second quarter of 2018, and 6% during that period last year. But in 2020, nationwide inventory dipped, albeit slightly, by about 2% quarter-over-quarter.Half of the largest metros in the country saw a decrease in average active listings from Q1 to Q2, with the largest quarter-over-quarter declines in Cleveland (-17%), Louisville, Kentucky (-14%), and Memphis, Tennessee (-14%). However, other large metros saw remarkable increases: San Jose (+62%), Denver (+47%) and San Francisco (+39%), for example. These dramatic climbs helped push the average quarter-over-quarter change among the largest 50 metros to +4%.Stepping back to look at year-over-year changes and how the supply of homes changed from Q2 2019, we found inventory dropped 23% among the 50 largest metros, on average, with 21 metros witnessing a decrease in available homes of 25% or more. Active listings in Las Vegas decreased 8%, the smallest quarterly drop of any metros analyzed and the only one of less than 10%.We’ve been in a strong seller’s market for some time now, as the supply of homes hasn’t kept pace with demand. Having fewer homes hitting the market during the first months of the pandemic only stood to worsen the situation. A highly competitive market has grown even more so, and buyers without room to negotiate could be priced out entirely.First-time buyer guidance: If you’re at all uncertain about your economic security this year and buying would mean an increase in overall housing costs or leave you with no source of emergency funds, you may want to postpone your first home purchase. The low supply of homes means you’re less likely to find a home that checks all the boxes on your wish list. A loss of income, a bout of poor health or caring for a sick loved one could be overwhelming on top of a down payment, closing costs and the expenses associated with moving.Home prices rise, as expectedWe expect prices to rise as the housing market heats up, and if 2020 is sticking to the script in any way, this is it. From the first quarter to the second, national median list prices grew 7% in 2018 and 8% in 2019. This year, they grew 7% nationally, and slightly less, 5%, on average, among the largest metros, quarter-over-quarter.Year-over-year growth was similar, rising about 3%, on average, among the 50 largest metros, after adjusting for inflation.This overall relatively unremarkable growth in prices is one silver lining for first-time buyers. Having a dramatic shortage of homes for sale could drive prices up, but it doesn’t appear that sellers are listing their homes disproportionately higher than last quarter or than at this time last year. That said, list prices are only part of the story, and there’s little doubt that the lack of supply is driving hard bargaining in the negotiation process.First-time buyer guidance: The price you see on a listing doesn’t tell the whole story. If you’re shopping in a seller’s market, be ready to act fast with an offer and compete with other buyers. You may end up paying more than list price, so shopping for homes listed under your max budget will give you a little more wiggle room if you find yourself in a bidding war.Metro spotlight: Cincinnati, Cleveland and ColumbusOhio has three metro areas in our analysis. It was also among the first states to begin canceling large events, declare a state of emergency and issue statewide restrictions to slow the spread of COVID-19. These factors may have played a role in changes in the local housing markets.Cincinnati, Cleveland and Columbus were some of the more affordable populous metros in the second quarter, with home prices averaging 4.7, 3.5 and 4.5 times the median first-time home buyer income, respectively. Even so, all three showed rising prices compared with the same period last year. Median home prices in Cincinnati rose 12%, the third-highest increase of all metros analyzed.But the big story in these Ohio metros is a lack of availability. Though inventory among all metros analyzed fell 23%, on average, compared with last year, it fell 34% in Cincinnati, 33% in Cleveland and 25% in Columbus.When comparing this quarter’s listed homes with last quarter’s, we find a similarly dramatic decrease. Cleveland saw the largest quarter-over-quarter dip in active listings among all metros analyzed: inventory fell 17% from the first quarter. Active listings fell 10% in Cincinnati and 7% in Columbus at the time of year when most markets would typically be flooded with home listings.The one thing saving buyers from being completely locked out of homeownership: affordability. So while finding a home will prove tricky due to a lack of inventory, homes on the market are more likely to be within budget for first-time buyers.Analysis methodology available in the original article, published at NerdWallet.More From NerdWalletMortgage Outlook: A Light Lift to September RatesSmart Money Podcast: Lower Mortgage Rates, and Moving During a PandemicMortgage Outlook: Recession Presses Down on August RatesElizabeth Renter is a writer at NerdWallet. Email: elizabeth@nerdwallet.com. Twitter: @elizabethrenter. 9901

Rocker Neil Young is “reconsidering” an earlier decision not to legally challenge the Trump administration for using his music at events.In an open letter from Young posted to NeilYoungArchives.com, he says he changed his mind following the decision to send federal forces to Portland.“Trump has no respect for our Military. They are not to be used on the streets of America against law abiding citizens for a Political charade orchestrated by a challenged President,” the open letter reads.Young considered requesting the Trump campaign to stop playing his songs after the president used it to announce his presidential bid in 2015. At the time, Young and his manager said the song was used without authorization. But ultimately they decided not to pursue legal action.Attendees at the July 3 event at Mount Rushmore tweeted about the use of Young’s music at the event ahead of President Trump’s speech. Young responded "This is NOT ok with me” in retweeting the mentions. 981

ROME — U.S. Secretary of State Mike Pompeo's diplomatic trip to the Vatican will end without an audience with Pope Francis.The Vatican declined his request to see Pope Francis, citing a routine policy to not grant papal audiences during election campaigns.Pompeo spent 45 minutes in the Apostolic Palace with his Vatican counterpart, Cardinal Pietro Parolin, and the Vatican foreign minister a day after tensions over the Holy See’s outreach to Beijing spilled out in public.Vatican spokesman Matteo Bruni said both sides “presented their respective positions” about relations with China in a climate of “respect, openness and cordiality.”The State Department said they discussed defending religious freedom. Pompeo has criticized the Vatican's 2018 agreement with Beijing on nominating bishops. 803

RIVERSIDE, Calif. (AP) — A Southern California police department says three middle school students have been arrested after attempting to free another student from custody.The Riverside Press-Enterprise reported Saturday that a 15-year-old Tahquitz High student arrived at Rancho Viejo Middle School Friday and argued with a school employee.Hemet police says the high school girl was arrested on suspicion of threatening a public employee after a campus police officer attempted to speak with her.Authorities say three other minors attempted to stop the officer from arresting the girl by blocking the patrol car door and trying to punch the officer.Authorities say the officer called for backup and the girl, two 13-year-old boys and a 14-year-old boy were arrested.School officials say the students should expect to face disciplinary action from the district. 869

SACRAMENTO, Calif. (AP) — California lawmakers approved a multibillion-dollar plan Thursday to shore up the state's biggest electric utilities in the face of catastrophic wildfires and claims for damage from past blazes caused by their equipment.It requires major utilities to spend at least billion combined on safety improvements and meet new safety standards, and it creates a fund of up to billion that could help pay out claims as climate change makes wildfires across the U.S. West more frequent and more destructive.Lawmakers passed the bill less than a week after its final language went into print, and Gov. Gavin Newsom was expected to sign it Friday. Republicans and Democrats said the state needed to provide financial certainty to the state's investor-owned utilities, the largest of which, Pacific Gas & Electric Corp., is in bankruptcy.But they said their work is far from over and they plan to do more on wildfire prevention and home protection when they return in August from a summer break.A broad coalition rallied around the measure, from renewable energy trade groups and labor unions representing utility workers to survivors of recent fires caused by PG&E equipment. Victims applauded provisions they say will give them more leverage to get compensation from the company as it wades through bankruptcy.But several lawmakers raised concerns that the measure would leave utility customers on the hook for fires caused by PG&E despite questions about the company's safety record."No one has ever said this bill is going to be the silver bullet or fix all but it does take us in dramatic leaps to where we can stabilize California," said Assemblyman Chris Holden, a Democrat from Pasadena and one of the bill's authors.Holden and other supporters said the legislation would not raise electric rates for customers. But it would let utilities pass on the costs from wildfires to customers in certain cases, which would make costs rise.The legislation also extends an existing charge on consumers' electric bills to raise .5 billion for the fund that will cover costs from wildfires caused by the equipment of participating electric utilities.PG&E filed for bankruptcy in January, saying it could not afford billions in damages from recent deadly wildfires caused by downed power lines and other company equipment, including a November fire that killed 85 people and largely destroyed the town of Paradise.Credit ratings agencies also are eyeing the financial worthiness of Southern California Edison and San Diego Gas & Electric.PG&E did not take a formal position on the bill. Spokesman Lynsey Paulo said the utility is committed to resolving victims' claims and reducing wildfire risks.To use the fund, companies would have to meet new safety standards to be set by state regulators and take steps such as tying executive compensation to safety. The state's three major utilities could elect to contribute an additional .5 billion to create a larger insurance fund worth at least billion.Questions about PG&E's efforts to combat fires led to some opposition.A day before the legislation passed, a federal judge overseeing PG&E's bankruptcy ordered its lawyers to respond to a report in The Wall Street Journal that showed it knew about the risks of aging equipment but did not replace systems that could cause wildfires."It is hard not to see this bill as something of a reward for monstrous behavior. They haven't done the work. They should not be rewarded," said Assemblyman Marc Levine, a Democrat from San Rafael who voted against the legislation.David Song, a spokesman for Southern California Edison, said the utility supports the bill but wants to see "refinements." He offered no specifics."If the bills are signed into law they take initial steps to return California to a regulatory framework providing the financial stability utilities require to invest in safety and reliability," he said.___Associated Press writer Adam Beam contributed. 4026

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