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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

SACRAMENTO, Calif. (AP) — A ballot initiative led by business giants Uber, Lyft and Doordash is now set to go before California voters in November. It is a multimillion-dollar attempt to shield app-based drivers in the state from a labor law, known as AB5, that makes companies give more benefits and wage protections to their workers. California approved the labor law last year, the strictest in the country on when employers can classify workers as independent contractors. The law, while praised by many labor groups, set off lawsuits from independent contractors who said it put them out of work.All three companies plan to spend at least million each promoting the measure to keep their drivers as independent contractors. “At a time when California’s economy is in crisis with 4 million people out of work, we need to make it easier, not harder, for people to quickly start earning,” a statement from Uber said.The result could set a national precedent if successful. 986

Retiring Michigan Congressman Paul Mitchell says he is leaving the Republican Party over efforts to overturn the 2020 Presidential Election.Mitchell revealed he would become an Independent in an interview with CNN. The Congressman who represents Michigan's thumb told the network he wrote to GOP leaders and notified them of his decision.He also requested that the Clerk of the House change his party affiliation. Grand Rapids area Congressman Justin Amash took similar actions in 2019, before becoming a Libertarian earlier this year. Amash did not run for reelection this year.Mitchell announced he would not run for reelection in July of 2019. Republican Lisa McClain won the general election and will take over the 10th District once the new Congress is sworn in next month.This story was first reported by WXYZ in Detroit, Michigan. 845

Robots are the latest in technology working to reduce the risk of COVID-19 at airports.A robot, called the "Breezy One," just started working at the Albuquerque International Sunport. It operates autonomously and can decontaminate a 100,000 square foot space in about 90 minutes.“We're working closely with chemical manufacturers who have created very effective and very safe chemicals that have been rigorously tested,” said Kimberly Corbitt from Build with Robots.“It's providing even a protective layer throughout the day, which is pretty exciting when you think about the robot leaving behind a protective layer that really helps people stay safe in these environments,” said Melonee Wise with Fetch Robotics.The robot's creators say the disinfectant it uses is registered by the Environmental Protection Agency, and has been tested and approved by multiple government agencies.The City of Albuquerque’s Director of Aviation, Nyika Allen, hopes the robots eases some concerns about flying.“Here with robots, we actually have the whole facility mapped out and we can see what it’s done, what it hasn't done, how long it took the robot and so we're actually able to guarantee the customer and the passenger that these spaces that they're touching in the airport are getting disinfected on a nightly basis,” said Allen.Allen says the custodians have been part of the process of bringing on the robot, and that it's not replacing any of them. Instead, it's making their job safer and letting them focus on other tasks.The robot's creators are in talks now to place them inside a large factory in the U.S. that's currently disinfecting there by hand.The Pittsburgh International Airport is another airport that recently started using a robot to clean. It's also autonomous but utilizes UV lights retrofitted on the airport's existing floor scrubbers.And in Grand Rapids, an autonomous robot that sprays FDA approved disinfectant is joining the airport there.Something else we're seeing more of now with the mask requirements for air travelers are vending machines for personal protective equipment in the airport. The machines were recently added in the Denver and Las Vegas airports.The future of travel is also expected to be more touchless. So, expect to see more solutions going forward where you don't have to physically exchange anything at the airport. 2366

SACRAMENTO, Calif. (AP) — California's incoming governor said Tuesday his transition started with a "reality check" as the state contended with a mass shooting and two deadly wildfires.Lt. Gov. Gavin Newsom appeared alongside fellow Democrat and outgoing Gov. Jerry Brown for the first time since he was elected California's 40th governor last week."That puts everything in perspective," Newsom said of the tragedies, standing behind a large brass bear that former Gov. Arnold Schwarzenegger installed in front of the governor's office during his tenure.Newsom said he's focused for now on staffing his administration. The governor appoints hundreds of people who serve at top levels of state agencies and departments. He announced last week that he'd picked former Hillary Clinton aide Ann O'Leary to be his chief of staff and Ana Matosantos, a former chief of finance for the state, to be his cabinet secretary.He and Brown did not offer details of their discussions."Pick an issue. We've had a chance to dialogue at least broadly about it," Newsom said.With fires raging on both ends of California, one of them the deadliest and most destructive in the state's history, Newsom sidestepped questions about what action should be taken against utilities if their equipment is found to be responsible. The fires started near the time and place where Southern California Edison and Pacific Gas & Electric reported equipment irregularities, but no cause has been determined."I'm going to assess the facts first before I opine," he said.Newsom called legislation enacted last year to improve forest management and protect utilities from financial ruin "a good first step, obviously a work in progress." The measure included money to clear dead trees from fire-prone areas and made it easier for utilities to pass along the costs of wildfire lawsuits to their customers. California is one of two states with a legal standard that holds utilities entirely liable if their equipment causes a wildfire.Brown said California is "pretty well maxed out" from fighting several deadly wildfires and he's grateful for the help from surrounding states and the federal government.He said the state is doing everything possible to prevent fires, but "some things only God can do.""This is unprecedented, or what I call the new abnormal," Brown said. "The winds are faster, the temperatures are hotter. The soil and vegetation is dryer. This is unprecedented. And it's a tragedy, and we as human beings have to be humble in the face of it, but also resolute and determined." 2568