最近一直在关注美国各个都市区的房价指数，因为随着利率的增高，短期内房价下行已是大势，尤其是热点城市，所以一直在关注拐点会在什么时候出现。
这是今天（2022年9月1日）Freddie Mac刚刚发布的美国各都市区房价指数，最新数据到7月份（Freddie Mac一般是这个月底发布上一个月的房价指数，所以8月底发布到7月的房价指数）。
在Freddie Mac房价指数所涵盖的所有382个都市区内，我们来看看最近三个月（5月、6月和7月）的环比房价指数（跟上月相比房价增幅百分比）。以下是各都市区房价涨幅百分比：
| Ranking | Metro | 2022M6~2022M7 | 2022M5~2022M6 | 2022M4~2022M5 | 2021M7~2022M7 |
| 1 | Napa CA | -1.1 | -1.1 | -0.1 | 3.6 |
| 2 | Santa Cruz-Watsonville CA | -1.1 | -1.1 | -0.1 | 5.4 |
| 3 | San Francisco-Oakland-Hayward CA | -0.9 | -1.1 | -0.1 | 4.6 |
| 4 | Santa Rosa CA | -0.9 | -1.0 | 0.0 | 4.8 |
| 5 | Vallejo-Fairfield CA | -0.9 | -1.0 | 0.0 | 6.0 |
| 6 | Yakima WA | -0.9 | -1.1 | -0.1 | 7.5 |
| 7 | Bremerton-Silverdale WA | -0.8 | -0.8 | 0.2 | 9.7 |
| 8 | Redding CA | -0.8 | -0.8 | 0.1 | 6.1 |
| 9 | Chico CA | -0.7 | -0.9 | 0.2 | 6.7 |
| 10 | Kennewick-Richland WA | -0.7 | -0.8 | 0.2 | 13.2 |
| 11 | Modesto CA | -0.7 | -0.8 | 0.2 | 9.1 |
| 12 | Seattle-Tacoma-Bellevue WA | -0.7 | -0.7 | 0.3 | 12.8 |
| 13 | Bellingham WA | -0.6 | -0.8 | 0.3 | 12.6 |
| 14 | Hanford-Corcoran CA | -0.6 | -0.7 | 0.3 | 10.0 |
| 15 | Longview WA | -0.6 | -0.8 | 0.2 | 11.7 |
| 16 | Mount Vernon-Anacortes WA | -0.6 | -1.0 | 0.0 | 10.9 |
| 17 | Sacramento--Roseville--Arden-Arcade CA | -0.6 | -0.7 | 0.3 | 10.1 |
| 18 | Salinas CA | -0.6 | -0.7 | 0.3 | 9.6 |
| 19 | San Jose-Sunnyvale-Santa Clara CA | -0.6 | -0.7 | 0.3 | 8.0 |
| 20 | Yuba City CA | -0.6 | -0.7 | 0.2 | 9.5 |
| 21 | El Centro CA | -0.5 | -0.5 | 0.5 | 11.6 |
| 22 | Los Angeles-Long Beach-Anaheim CA | -0.5 | -0.5 | 0.4 | 11.2 |
| 23 | Madera CA | -0.5 | -0.5 | 0.5 | 12.5 |
| 24 | Oxnard-Thousand Oaks-Ventura CA | -0.5 | -0.5 | 0.4 | 10.6 |
| 25 | Stockton-Lodi CA | -0.5 | -0.6 | 0.4 | 10.3 |
| 26 | Wenatchee WA | -0.4 | -0.6 | 0.4 | 13.6 |
| 27 | Boise City ID | -0.3 | -0.1 | 0.8 | 9.4 |
| 28 | Fresno CA | -0.3 | -0.4 | 0.6 | 12.7 |
| 29 | Grants Pass OR | -0.3 | -0.3 | 0.5 | 8.8 |
| 30 | Merced CA | -0.3 | -0.5 | 0.5 | 12.5 |
| 31 | Olympia-Tumwater WA | -0.3 | -0.4 | 0.6 | 15.5 |
| 32 | San Luis Obispo-Paso Robles-Arroyo Grande CA | -0.3 | -0.3 | 0.7 | 13.0 |
| 33 | Visalia-Porterville CA | -0.3 | -0.4 | 0.5 | 12.7 |
| 34 | Walla Walla WA | -0.3 | -0.3 | 0.7 | 17.9 |
| 35 | Bakersfield CA | -0.2 | -0.3 | 0.7 | 14.0 |
| 36 | Medford OR | -0.2 | -0.3 | 0.4 | 6.9 |
| 37 | Portland-Vancouver-Hillsboro OR-WA | -0.2 | -0.3 | 0.6 | 10.5 |
| 38 | Santa Maria-Santa Barbara CA | -0.2 | -0.3 | 0.7 | 12.4 |
| 39 | Spokane-Spokane Valley WA | -0.2 | -0.5 | 0.6 | 14.7 |
| 40 | Boulder CO | -0.1 | -0.4 | 0.7 | 12.6 |
| 41 | California-Lexington Park MD | -0.1 | 0.0 | 0.5 | 7.9 |
| 42 | Colorado Springs CO | -0.1 | -0.3 | 0.8 | 13.7 |
| 43 | Fort Collins CO | -0.1 | -0.3 | 0.7 | 13.0 |
| 44 | Grand Junction CO | -0.1 | -0.4 | 0.6 | 13.0 |
| 45 | Greeley CO | -0.1 | -0.3 | 0.7 | 12.1 |
| 46 | Pueblo CO | -0.1 | -0.4 | 0.7 | 13.0 |
| 47 | Coeur d'Alene ID | 0.0 | 0.3 | 1.2 | 14.9 |
| 48 | Corvallis OR | 0.0 | -0.1 | 0.7 | 10.1 |
| 49 | Denver-Aurora-Lakewood CO | 0.0 | -0.3 | 0.8 | 13.5 |
| 50 | Odessa TX | 0.0 | -0.2 | 0.9 | 4.2 |
| 51 | Pocatello ID | 0.0 | 0.1 | 1.0 | 14.6 |
| 52 | Riverside-San Bernardino-Ontario CA | 0.0 | -0.1 | 0.9 | 15.9 |
| 53 | Salem OR | 0.0 | -0.1 | 0.7 | 11.4 |
| 54 | San Diego-Carlsbad CA | 0.0 | -0.2 | 0.9 | 16.6 |
| 55 | Baltimore-Columbia-Towson MD | 0.1 | 0.1 | 0.7 | 9.4 |
| 56 | Beaumont-Port Arthur TX | 0.1 | -0.1 | 1.0 | 7.7 |
| 57 | Eugene OR | 0.1 | 0.1 | 0.8 | 12.0 |
| 58 | Idaho Falls ID | 0.1 | 0.1 | 1.1 | 15.3 |
| 59 | Midland TX | 0.1 | 0.0 | 1.2 | 6.7 |
| 60 | Ogden-Clearfield UT | 0.1 | 0.1 | 0.9 | 15.9 |
| 61 | Washington-Arlington-Alexandria DC-VA-MD-WV | 0.1 | 0.2 | 0.8 | 7.9 |
| 62 | Albany OR | 0.2 | 0.1 | 0.9 | 14.2 |
| 63 | Harrisonburg VA | 0.2 | 0.4 | 1.1 | 11.0 |
| 64 | Laredo TX | 0.2 | 0.1 | 1.2 | 9.9 |
| 65 | Lewiston ID-WA | 0.2 | -0.1 | 0.9 | 14.6 |
| 66 | Mankato-North Mankato MN | 0.2 | 0.6 | 1.5 | 8.3 |
| 67 | Minneapolis-St. Paul-Bloomington MN-WI | 0.2 | 0.7 | 1.5 | 9.3 |
| 68 | Rochester MN | 0.2 | 0.6 | 1.4 | 9.1 |
| 69 | Salt Lake City UT | 0.2 | 0.2 | 1.1 | 15.6 |
| 70 | Williamsport PA | 0.2 | 0.6 | 1.0 | 8.2 |
| 71 | Bend-Redmond OR | 0.3 | 0.2 | 0.9 | 15.3 |
| 72 | Columbus GA-AL | 0.3 | 0.1 | 0.8 | 8.0 |
| 73 | Cumberland MD-WV | 0.3 | 0.4 | 0.9 | 10.8 |
| 74 | Gettysburg PA | 0.3 | 0.6 | 1.0 | 9.0 |
| 75 | Lima OH | 0.3 | 0.5 | 1.4 | 9.0 |
| 76 | Logan UT-ID | 0.3 | 0.3 | 1.1 | 19.3 |
| 77 | Provo-Orem UT | 0.3 | 0.2 | 1.0 | 17.0 |
| 78 | San Angelo TX | 0.3 | 0.1 | 1.2 | 9.8 |
| 79 | Sierra Vista-Douglas AZ | 0.3 | -0.2 | 0.7 | 12.2 |
| 80 | St. Cloud MN | 0.3 | 0.8 | 1.6 | 11.1 |
| 81 | St. George UT | 0.3 | 0.2 | 1.1 | 18.1 |
| 82 | Virginia Beach-Norfolk-Newport News VA-NC | 0.3 | 0.5 | 1.3 | 12.4 |
| 83 | Wheeling WV-OH | 0.3 | 0.4 | 0.9 | 6.7 |
| 84 | Winchester VA-WV | 0.3 | 0.5 | 1.2 | 12.8 |
| 85 | Abilene TX | 0.4 | 0.3 | 1.5 | 13.3 |
| 86 | Altoona PA | 0.4 | 0.7 | 1.2 | 10.4 |
| 87 | Lancaster PA | 0.4 | 0.7 | 1.2 | 11.9 |
| 88 | Muncie IN | 0.4 | 0.8 | 1.2 | 11.1 |
| 89 | Richmond VA | 0.4 | 0.6 | 1.4 | 13.0 |
| 90 | Roanoke VA | 0.4 | 0.6 | 1.4 | 14.2 |
| 91 | Toledo OH | 0.4 | 0.8 | 1.7 | 10.3 |
| 92 | Weirton-Steubenville WV-OH | 0.4 | 0.6 | 1.3 | 9.4 |
| 93 | Youngstown-Warren-Boardman OH-PA | 0.4 | 0.7 | 1.6 | 11.5 |
| 94 | Amarillo TX | 0.5 | 0.3 | 1.5 | 13.0 |
| 95 | Bay City MI | 0.5 | 0.8 | 1.4 | 9.8 |
| 96 | Blacksburg-Christiansburg-Radford VA | 0.5 | 0.5 | 1.3 | 12.5 |
| 97 | Carson City NV | 0.5 | 0.6 | 0.8 | 13.3 |
| 98 | Charlottesville VA | 0.5 | 0.7 | 1.4 | 14.5 |
| 99 | Cleveland-Elyria OH | 0.5 | 0.9 | 1.8 | 10.8 |
| 100 | Dayton OH | 0.5 | 0.9 | 1.8 | 11.7 |
| 101 | Dover DE | 0.5 | 0.6 | 1.1 | 12.4 |
| 102 | Duluth MN-WI | 0.5 | 1.0 | 1.8 | 12.2 |
| 103 | Enid OK | 0.5 | 0.6 | 1.0 | 8.2 |
| 104 | Evansville IN-KY | 0.5 | 0.9 | 1.3 | 10.2 |
| 105 | Lafayette-West Lafayette IN | 0.5 | 0.9 | 1.2 | 10.5 |
| 106 | Lebanon PA | 0.5 | 0.8 | 1.2 | 11.0 |
| 107 | Lincoln NE | 0.5 | 0.8 | 1.4 | 9.7 |
| 108 | Morgantown WV | 0.5 | 0.4 | 0.7 | 8.1 |
| 109 | Pittsburgh PA | 0.5 | 0.9 | 1.3 | 10.2 |
| 110 | Reading PA | 0.5 | 0.8 | 1.3 | 12.9 |
| 111 | State College PA | 0.5 | 0.9 | 1.3 | 10.4 |
| USA | 0.5 | 0.7 | 1.4 | 14.6 | |
| 112 | Victoria TX | 0.5 | 0.3 | 1.4 | 12.7 |
| 113 | York-Hanover PA | 0.5 | 0.9 | 1.3 | 12.3 |
| 114 | Battle Creek MI | 0.6 | 0.9 | 1.5 | 11.0 |
| 115 | Bloomsburg-Berwick PA | 0.6 | 0.9 | 1.3 | 11.9 |
| 116 | Columbus OH | 0.6 | 1.1 | 1.9 | 14.1 |
| 117 | Elkhart-Goshen IN | 0.6 | 1.0 | 1.4 | 12.1 |
| 118 | Grand Island NE | 0.6 | 0.8 | 1.4 | 11.1 |
| 119 | Huntington-Ashland WV-KY-OH | 0.6 | 0.6 | 1.0 | 8.8 |
| 120 | Johnstown PA | 0.6 | 0.9 | 1.4 | 11.8 |
| 121 | Manhattan KS | 0.6 | 0.8 | 1.4 | 10.3 |
| 122 | Mansfield OH | 0.6 | 1.1 | 2.0 | 13.6 |
| 123 | McAllen-Edinburg-Mission TX | 0.6 | 0.4 | 1.5 | 14.2 |
| 124 | Niles-Benton Harbor MI | 0.6 | 0.8 | 1.4 | 9.8 |
| 125 | Reno NV | 0.6 | 0.6 | 1.0 | 13.7 |
| 126 | Springfield MA | 0.6 | 0.8 | 1.5 | 11.3 |
| 127 | Urban Honolulu HI | 0.6 | 0.7 | 0.8 | 10.9 |
| 128 | Akron OH | 0.7 | 0.8 | 1.7 | 10.7 |
| 129 | Boston-Cambridge-Newton MA-NH | 0.7 | 0.9 | 1.6 | 11.7 |
| 130 | Canton-Massillon OH | 0.7 | 0.7 | 1.6 | 9.6 |
| 131 | Cape Girardeau MO-IL | 0.7 | 1.1 | 1.6 | 11.6 |
| 132 | Charleston WV | 0.7 | 0.6 | 0.9 | 10.1 |
| 133 | Cincinnati OH-KY-IN | 0.7 | 1.1 | 1.9 | 14.0 |
| 134 | Corpus Christi TX | 0.7 | 0.4 | 1.6 | 14.5 |
| 135 | El Paso TX | 0.7 | 0.4 | 1.5 | 14.7 |
| 136 | Fargo ND-MN | 0.7 | 1.0 | 1.4 | 9.8 |
| 137 | Farmington NM | 0.7 | 0.6 | 0.9 | 12.1 |
| 138 | Flint MI | 0.7 | 1.0 | 1.6 | 11.8 |
| 139 | Grand Forks ND-MN | 0.7 | 1.1 | 1.3 | 8.8 |
| 140 | Hagerstown-Martinsburg MD-WV | 0.7 | 0.8 | 1.3 | 16.2 |
| 141 | Lake Havasu City-Kingman AZ | 0.7 | 0.2 | 1.1 | 17.9 |
| 142 | Lansing-East Lansing MI | 0.7 | 1.0 | 1.6 | 9.3 |
| 143 | Lynchburg VA | 0.7 | 0.9 | 1.6 | 16.1 |
| 144 | Michigan City-La Porte IN | 0.7 | 1.0 | 1.4 | 12.8 |
| 145 | Monroe MI | 0.7 | 1.0 | 1.6 | 9.4 |
| 146 | Parkersburg-Vienna WV | 0.7 | 0.5 | 0.8 | 9.1 |
| 147 | Philadelphia-Camden-Wilmington PA-NJ-DE-MD | 0.7 | 1.0 | 1.4 | 11.9 |
| 148 | Staunton-Waynesboro VA | 0.7 | 0.9 | 1.6 | 16.0 |
| 149 | Wausau WI | 0.7 | 1.0 | 1.6 | 9.5 |
| 150 | Wichita Falls TX | 0.7 | 0.5 | 1.6 | 15.8 |
| 151 | Allentown-Bethlehem-Easton PA-NJ | 0.8 | 1.1 | 1.5 | 13.7 |
| 152 | Bloomington IN | 0.8 | 1.3 | 1.6 | 13.2 |
| 153 | Champaign-Urbana IL | 0.8 | 1.4 | 1.7 | 10.6 |
| 154 | Columbus IN | 0.8 | 1.1 | 1.5 | 13.0 |
| 155 | Decatur IL | 0.8 | 1.3 | 1.6 | 9.8 |
| 156 | Detroit-Warren-Dearborn MI | 0.8 | 1.2 | 1.8 | 11.3 |
| 157 | Erie PA | 0.8 | 1.1 | 1.6 | 14.1 |
| 158 | Fort Wayne IN | 0.8 | 1.2 | 1.6 | 14.7 |
| 159 | Harrisburg-Carlisle PA | 0.8 | 1.1 | 1.5 | 13.7 |
| 160 | Houston-The Woodlands-Sugar Land TX | 0.8 | 0.6 | 1.7 | 15.3 |
| 161 | Jackson MI | 0.8 | 1.1 | 1.8 | 11.3 |
| 162 | Longview TX | 0.8 | 0.6 | 1.7 | 18.1 |
| 163 | Louisville/Jefferson County KY-IN | 0.8 | 0.9 | 1.4 | 11.1 |
| 164 | Oklahoma City OK | 0.8 | 0.9 | 1.4 | 14.1 |
| 165 | Saginaw MI | 0.8 | 1.0 | 1.7 | 11.4 |
| 166 | St. Joseph MO-KS | 0.8 | 1.1 | 1.6 | 12.1 |
| 167 | Tucson AZ | 0.8 | 0.3 | 1.3 | 17.8 |
| 168 | Worcester MA-CT | 0.8 | 1.0 | 1.7 | 12.5 |
| 169 | Yuma AZ | 0.8 | 0.3 | 1.2 | 18.3 |
| 170 | Ann Arbor MI | 0.9 | 1.5 | 2.1 | 12.5 |
| 171 | Bismarck ND | 0.9 | 1.1 | 1.3 | 8.5 |
| 172 | Carbondale-Marion IL | 0.9 | 1.3 | 1.6 | 11.3 |
| 173 | Chambersburg-Waynesboro PA | 0.9 | 1.3 | 1.7 | 14.6 |
| 174 | Chicago-Naperville-Elgin IL-IN-WI | 0.9 | 1.3 | 1.7 | 10.9 |
| 175 | College Station-Bryan TX | 0.9 | 0.8 | 1.9 | 17.2 |
| 176 | Danville IL | 0.9 | 1.4 | 1.7 | 11.3 |
| 177 | Grand Rapids-Wyoming MI | 0.9 | 1.4 | 2.1 | 15.3 |
| 178 | Kokomo IN | 0.9 | 1.2 | 1.6 | 14.9 |
| 179 | Lubbock TX | 0.9 | 0.7 | 1.8 | 16.0 |
| 180 | Macon GA | 0.9 | 0.7 | 1.4 | 15.3 |
| 181 | Memphis TN-MS-AR | 0.9 | 1.0 | 1.7 | 15.6 |
| 182 | Muskegon MI | 0.9 | 1.2 | 1.8 | 14.2 |
| 183 | Omaha-Council Bluffs NE-IA | 0.9 | 1.1 | 1.8 | 12.8 |
| 184 | Prescott AZ | 0.9 | 0.4 | 1.4 | 18.7 |
| 185 | Racine WI | 0.9 | 1.2 | 1.8 | 11.0 |
| 186 | San Antonio-New Braunfels TX | 0.9 | 0.6 | 1.7 | 18.0 |
| 187 | Scranton--Wilkes-Barre--Hazleton PA | 0.9 | 1.2 | 1.6 | 16.0 |
| 188 | Springfield OH | 0.9 | 1.4 | 2.3 | 15.8 |
| 189 | Topeka KS | 0.9 | 1.1 | 1.6 | 14.3 |
| 190 | Tuscaloosa AL | 0.9 | 1.0 | 1.2 | 10.7 |
| 191 | Davenport-Moline-Rock Island IA-IL | 1.0 | 1.5 | 1.9 | 10.1 |
| 192 | Indianapolis-Carmel-Anderson IN | 1.0 | 1.4 | 1.8 | 16.2 |
| 193 | Kalamazoo-Portage MI | 1.0 | 1.4 | 2.1 | 15.0 |
| 194 | Kansas City MO-KS | 1.0 | 1.3 | 1.9 | 15.5 |
| 195 | La Crosse-Onalaska WI-MN | 1.0 | 1.3 | 1.9 | 12.4 |
| 196 | Midland MI | 1.0 | 1.5 | 2.1 | 17.1 |
| 197 | Salisbury MD-DE | 1.0 | 1.0 | 1.5 | 19.2 |
| 198 | South Bend-Mishawaka IN-MI | 1.0 | 1.4 | 1.8 | 14.8 |
| 199 | Springfield IL | 1.0 | 1.4 | 1.7 | 11.4 |
| 200 | St. Louis MO-IL | 1.0 | 1.3 | 1.8 | 12.0 |
| 201 | Tallahassee FL | 1.0 | 0.9 | 1.7 | 17.6 |
| 202 | Terre Haute IN | 1.0 | 1.4 | 1.8 | 15.2 |
| 203 | Waco TX | 1.0 | 0.9 | 2.0 | 20.1 |
| 204 | Wichita KS | 1.0 | 1.1 | 1.6 | 14.7 |
| 205 | Albany GA | 1.1 | 0.9 | 1.6 | 17.3 |
| 206 | Alexandria LA | 1.1 | 1.3 | 1.2 | 9.9 |
| 207 | Appleton WI | 1.1 | 1.3 | 1.9 | 12.7 |
| 208 | Athens-Clarke County GA | 1.1 | 0.9 | 1.6 | 17.8 |
| 209 | Beckley WV | 1.1 | 1.0 | 1.3 | 14.8 |
| 210 | Bowling Green KY | 1.1 | 1.1 | 1.6 | 14.9 |
| 211 | Brownsville-Harlingen TX | 1.1 | 0.9 | 2.0 | 21.3 |
| 212 | Gainesville FL | 1.1 | 1.0 | 1.7 | 18.3 |
| 213 | Green Bay WI | 1.1 | 1.4 | 2.0 | 13.6 |
| 214 | Iowa City IA | 1.1 | 1.3 | 1.8 | 8.7 |
| 215 | Jacksonville NC | 1.1 | 1.3 | 2.0 | 20.3 |
| 216 | Jefferson City MO | 1.1 | 1.3 | 1.7 | 16.1 |
| 217 | Lake Charles LA | 1.1 | 1.3 | 1.2 | 9.5 |
| 218 | Lawrence KS | 1.1 | 1.3 | 1.8 | 15.9 |
| 219 | Lawton OK | 1.1 | 1.2 | 1.6 | 15.1 |
| 220 | Lexington-Fayette KY | 1.1 | 1.2 | 1.8 | 14.2 |
| 221 | Peoria IL | 1.1 | 1.6 | 1.9 | 13.2 |
| 222 | Pittsfield MA | 1.1 | 1.2 | 2.0 | 16.2 |
| 223 | Rockford IL | 1.1 | 1.6 | 1.9 | 13.0 |
| 224 | Santa Fe NM | 1.1 | 0.9 | 1.3 | 15.7 |
| 225 | Warner Robins GA | 1.1 | 0.9 | 1.6 | 18.0 |
| 226 | Albuquerque NM | 1.2 | 1.1 | 1.5 | 17.2 |
| 227 | Birmingham-Hoover AL | 1.2 | 1.4 | 1.6 | 15.3 |
| 228 | Bloomington IL | 1.2 | 1.6 | 2.0 | 15.4 |
| 229 | Chattanooga TN-GA | 1.2 | 1.3 | 2.1 | 21.3 |
| 230 | Cleveland TN | 1.2 | 1.4 | 2.2 | 21.4 |
| 231 | East Stroudsburg PA | 1.2 | 1.5 | 1.9 | 20.5 |
| 232 | Elmira NY | 1.2 | 1.4 | 1.7 | 8.9 |
| 233 | Fond du Lac WI | 1.2 | 1.5 | 2.1 | 13.0 |
| 234 | Goldsboro NC | 1.2 | 1.4 | 2.1 | 19.9 |
| 235 | Jackson TN | 1.2 | 1.3 | 2.1 | 22.3 |
| 236 | Janesville-Beloit WI | 1.2 | 1.5 | 2.1 | 13.2 |
| 237 | Kankakee IL | 1.2 | 1.6 | 1.9 | 14.9 |
| 238 | Knoxville TN | 1.2 | 1.4 | 2.2 | 22.4 |
| 239 | Milwaukee-Waukesha-West Allis WI | 1.2 | 1.4 | 2.0 | 11.9 |
| 240 | Montgomery AL | 1.2 | 1.3 | 1.5 | 14.2 |
| 241 | New Bern NC | 1.2 | 1.4 | 2.0 | 19.0 |
| 242 | New York-Newark-Jersey City NY-NJ-PA | 1.2 | 1.4 | 1.8 | 12.4 |
| 243 | Oshkosh-Neenah WI | 1.2 | 1.5 | 2.0 | 13.8 |
| 244 | Sheboygan WI | 1.2 | 1.5 | 2.0 | 14.6 |
| 245 | Sherman-Denison TX | 1.2 | 1.0 | 2.1 | 23.9 |
| 246 | Tulsa OK | 1.2 | 1.2 | 1.6 | 17.8 |
| 247 | Tyler TX | 1.2 | 0.9 | 2.0 | 21.7 |
| 248 | Valdosta GA | 1.2 | 1.0 | 1.7 | 19.2 |
| 249 | Wilmington NC | 1.2 | 1.3 | 2.0 | 20.2 |
| 250 | Asheville NC | 1.3 | 1.5 | 2.2 | 21.1 |
| 251 | Augusta-Richmond County GA-SC | 1.3 | 1.3 | 1.7 | 18.0 |
| 252 | Austin-Round Rock TX | 1.3 | 0.9 | 2.2 | 22.7 |
| 253 | Brunswick GA | 1.3 | 1.2 | 1.8 | 21.0 |
| 254 | Columbia MO | 1.3 | 1.5 | 2.1 | 15.5 |
| 255 | Dalton GA | 1.3 | 1.1 | 1.8 | 20.1 |
| 256 | Decatur AL | 1.3 | 1.4 | 1.6 | 18.7 |
| 257 | Eau Claire WI | 1.3 | 1.5 | 2.1 | 14.0 |
| 258 | Flagstaff AZ | 1.3 | 0.7 | 1.6 | 24.3 |
| 259 | Florence SC | 1.3 | 1.4 | 1.4 | 13.9 |
| 260 | Gainesville GA | 1.3 | 1.1 | 1.8 | 23.9 |
| 261 | Greensboro-High Point NC | 1.3 | 1.3 | 2.0 | 19.3 |
| 262 | Greenville NC | 1.3 | 1.3 | 2.0 | 18.4 |
| 263 | Johnson City TN | 1.3 | 1.5 | 2.2 | 21.2 |
| 264 | Kingsport-Bristol-Bristol TN-VA | 1.3 | 1.5 | 2.2 | 23.4 |
| 265 | Las Cruces NM | 1.3 | 1.1 | 1.5 | 17.6 |
| 266 | Owensboro KY | 1.3 | 1.3 | 1.9 | 15.5 |
| 267 | Panama City FL | 1.3 | 1.4 | 2.1 | 23.7 |
| 268 | Pensacola-Ferry Pass-Brent FL | 1.3 | 1.3 | 2.0 | 21.7 |
| 269 | Rocky Mount NC | 1.3 | 1.4 | 2.0 | 19.3 |
| 270 | Springfield MO | 1.3 | 1.5 | 2.0 | 18.6 |
| 271 | Trenton NJ | 1.3 | 1.4 | 1.7 | 14.9 |
| 272 | Winston-Salem NC | 1.3 | 1.5 | 2.2 | 20.1 |
| 273 | Atlanta-Sandy Springs-Roswell GA | 1.4 | 1.2 | 2.0 | 22.6 |
| 274 | Barnstable Town MA | 1.4 | 1.5 | 2.2 | 20.9 |
| 275 | Baton Rouge LA | 1.4 | 1.6 | 1.5 | 12.5 |
| 276 | Crestview-Fort Walton Beach-Destin FL | 1.4 | 1.1 | 1.9 | 22.3 |
| 277 | Des Moines-West Des Moines IA | 1.4 | 1.5 | 2.1 | 11.9 |
| 278 | Elizabethtown-Fort Knox KY | 1.4 | 1.4 | 1.9 | 17.7 |
| 279 | Glens Falls NY | 1.4 | 1.7 | 2.0 | 13.4 |
| 280 | Houma-Thibodaux LA | 1.4 | 1.6 | 1.5 | 11.8 |
| 281 | Killeen-Temple TX | 1.4 | 1.2 | 2.3 | 26.2 |
| 282 | Madison WI | 1.4 | 1.6 | 2.2 | 14.3 |
| 283 | Mobile AL | 1.4 | 1.4 | 1.6 | 15.7 |
| 284 | Monroe LA | 1.4 | 1.5 | 1.5 | 12.0 |
| 285 | Morristown TN | 1.4 | 1.5 | 2.3 | 23.0 |
| 286 | New Orleans-Metairie LA | 1.4 | 1.6 | 1.5 | 13.3 |
| 287 | Orlando-Kissimmee-Sanford FL | 1.4 | 1.4 | 2.1 | 23.8 |
| 288 | Phoenix-Mesa-Scottsdale AZ | 1.4 | 0.9 | 1.8 | 24.3 |
| 289 | Shreveport-Bossier City LA | 1.4 | 1.5 | 1.4 | 11.8 |
| 290 | Sumter SC | 1.4 | 1.7 | 1.8 | 19.0 |
| 291 | Waterloo-Cedar Falls IA | 1.4 | 1.6 | 2.1 | 11.3 |
| 292 | Watertown-Fort Drum NY | 1.4 | 1.5 | 1.8 | 10.8 |
| 293 | Binghamton NY | 1.5 | 1.8 | 2.1 | 13.2 |
| 294 | Cedar Rapids IA | 1.5 | 1.7 | 2.2 | 12.3 |
| 295 | Clarksville TN-KY | 1.5 | 1.7 | 2.4 | 23.6 |
| 296 | Columbia SC | 1.5 | 1.7 | 1.8 | 18.5 |
| 297 | Dallas-Fort Worth-Arlington TX | 1.5 | 1.2 | 2.3 | 23.8 |
| 298 | Dubuque IA | 1.5 | 1.5 | 2.1 | 12.1 |
| 299 | Hickory-Lenoir-Morganton NC | 1.5 | 1.7 | 2.4 | 22.5 |
| 300 | Hinesville GA | 1.5 | 1.2 | 1.9 | 23.9 |
| 301 | Ithaca NY | 1.5 | 1.8 | 2.1 | 15.1 |
| 302 | Jacksonville FL | 1.5 | 1.4 | 2.2 | 25.3 |
| 303 | Lakeland-Winter Haven FL | 1.5 | 1.6 | 2.3 | 26.5 |
| 304 | Las Vegas-Henderson-Paradise NV | 1.5 | 1.6 | 1.8 | 23.8 |
| 305 | Lewiston-Auburn ME | 1.5 | 1.5 | 1.9 | 18.9 |
| 306 | Manchester-Nashua NH | 1.5 | 1.8 | 1.8 | 16.5 |
| 307 | Miami-Fort Lauderdale-West Palm Beach FL | 1.5 | 1.5 | 2.2 | 25.5 |
| 308 | Norwich-New London CT | 1.5 | 1.8 | 2.1 | 12.8 |
| 309 | Ocean City NJ | 1.5 | 1.6 | 1.9 | 19.3 |
| 310 | Providence-Warwick RI-MA | 1.5 | 1.6 | 2.0 | 15.7 |
| 311 | Sebring FL | 1.5 | 1.4 | 2.2 | 26.5 |
| 312 | Sioux Falls SD | 1.5 | 1.6 | 1.8 | 17.0 |
| 313 | Texarkana TX-AR | 1.5 | 1.3 | 2.0 | 19.4 |
| 314 | Vineland-Bridgeton NJ | 1.5 | 1.6 | 1.9 | 17.7 |
| 315 | Albany-Schenectady-Troy NY | 1.6 | 1.8 | 2.1 | 14.0 |
| 316 | Anniston-Oxford-Jacksonville AL | 1.6 | 1.6 | 1.8 | 18.1 |
| 317 | Auburn-Opelika AL | 1.6 | 1.6 | 1.8 | 17.9 |
| 318 | Bridgeport-Stamford-Norwalk CT | 1.6 | 2.0 | 2.3 | 14.6 |
| 319 | Deltona-Daytona Beach-Ormond Beach FL | 1.6 | 1.5 | 2.3 | 26.9 |
| 320 | Dothan AL | 1.6 | 1.7 | 1.9 | 18.5 |
| 321 | Fairbanks AK | 1.6 | 1.7 | 1.7 | 11.6 |
| 322 | Gadsden AL | 1.6 | 1.6 | 1.9 | 18.9 |
| 323 | Greenville-Anderson-Mauldin SC | 1.6 | 1.9 | 2.0 | 22.2 |
| 324 | Joplin MO | 1.6 | 1.8 | 2.3 | 20.0 |
| 325 | Kingston NY | 1.6 | 1.8 | 2.1 | 16.5 |
| 326 | Nashville-Davidson--Murfreesboro--Franklin TN | 1.6 | 1.7 | 2.5 | 26.5 |
| 327 | Palm Bay-Melbourne-Titusville FL | 1.6 | 1.7 | 2.4 | 27.9 |
| 328 | Portland-South Portland ME | 1.6 | 1.5 | 1.9 | 17.1 |
| 329 | Savannah GA | 1.6 | 1.4 | 2.1 | 23.7 |
| 330 | Sioux City IA-NE-SD | 1.6 | 1.7 | 2.2 | 15.4 |
| 331 | Syracuse NY | 1.6 | 1.8 | 2.1 | 13.7 |
| 332 | Tampa-St. Petersburg-Clearwater FL | 1.6 | 1.8 | 2.5 | 29.3 |
| 333 | Anchorage AK | 1.7 | 1.8 | 1.9 | 12.5 |
| 334 | Atlantic City-Hammonton NJ | 1.7 | 1.8 | 2.1 | 19.6 |
| 335 | Bangor ME | 1.7 | 1.7 | 2.1 | 20.3 |
| 336 | Buffalo-Cheektowaga-Niagara Falls NY | 1.7 | 1.9 | 2.2 | 15.4 |
| 337 | Burlington NC | 1.7 | 1.8 | 2.5 | 25.4 |
| 338 | Daphne-Fairhope-Foley AL | 1.7 | 1.7 | 1.9 | 19.7 |
| 339 | Durham-Chapel Hill NC | 1.7 | 1.7 | 2.4 | 24.4 |
| 340 | Fayetteville NC | 1.7 | 1.6 | 2.3 | 22.1 |
| 341 | Florence-Muscle Shoals AL | 1.7 | 1.7 | 1.9 | 19.7 |
| 342 | Hartford-West Hartford-East Hartford CT | 1.7 | 2.0 | 2.3 | 14.3 |
| 343 | Kahului-Wailuku-Lahaina HI | 1.7 | 1.7 | 1.8 | 24.3 |
| 344 | Lafayette LA | 1.7 | 1.8 | 1.7 | 14.2 |
| 345 | New Haven-Milford CT | 1.7 | 1.9 | 2.2 | 14.3 |
| 346 | Pine Bluff AR | 1.7 | 1.8 | 1.6 | 13.1 |
| 347 | Rapid City SD | 1.7 | 1.9 | 2.0 | 21.1 |
| 348 | Rome GA | 1.7 | 1.5 | 2.1 | 26.4 |
| 349 | Spartanburg SC | 1.7 | 1.9 | 2.0 | 21.5 |
| 350 | Utica-Rome NY | 1.7 | 1.9 | 2.3 | 15.1 |
| 351 | Ames IA | 1.8 | 1.9 | 2.4 | 15.3 |
| 352 | Charlotte-Concord-Gastonia NC-SC | 1.8 | 1.9 | 2.5 | 24.7 |
| 353 | Great Falls MT | 1.8 | 1.9 | 2.1 | 19.4 |
| 354 | Homosassa Springs FL | 1.8 | 1.7 | 2.4 | 31.0 |
| 355 | Huntsville AL | 1.8 | 1.9 | 2.1 | 22.0 |
| 356 | Missoula MT | 1.8 | 1.9 | 2.1 | 20.9 |
| 357 | Ocala FL | 1.8 | 1.6 | 2.4 | 29.8 |
| 358 | Port St. Lucie FL | 1.8 | 1.6 | 2.4 | 29.6 |
| 359 | Raleigh NC | 1.8 | 1.8 | 2.5 | 27.2 |
| 360 | Hilton Head Island-Bluffton-Beaufort SC | 1.9 | 2.0 | 2.1 | 25.4 |
| 361 | Jackson MS | 1.9 | 1.8 | 1.8 | 16.7 |
| 362 | Rochester NY | 1.9 | 2.1 | 2.4 | 15.4 |
| 363 | Sebastian-Vero Beach FL | 1.9 | 1.8 | 2.6 | 31.0 |
| 364 | Cape Coral-Fort Myers FL | 2.0 | 1.7 | 2.5 | 34.3 |
| 365 | Fort Smith AR-OK | 2.0 | 2.0 | 1.9 | 17.6 |
| 366 | Hammond LA | 2.0 | 2.1 | 2.0 | 19.2 |
| 367 | Hattiesburg MS | 2.0 | 2.0 | 2.0 | 17.5 |
| 368 | North Port-Sarasota-Bradenton FL | 2.0 | 1.9 | 2.6 | 33.6 |
| 369 | Punta Gorda FL | 2.0 | 1.7 | 2.5 | 35.3 |
| 370 | The Villages FL | 2.0 | 1.7 | 2.5 | 32.2 |
| 371 | Billings MT | 2.1 | 2.0 | 2.3 | 21.1 |
| 372 | Charleston-North Charleston SC | 2.1 | 2.3 | 2.4 | 25.8 |
| 373 | Cheyenne WY | 2.1 | 2.3 | 2.1 | 14.5 |
| 374 | Hot Springs AR | 2.1 | 2.1 | 1.9 | 17.3 |
| 375 | Little Rock-North Little Rock-Conway AR | 2.1 | 2.0 | 1.9 | 16.1 |
| 376 | Gulfport-Biloxi-Pascagoula MS | 2.2 | 2.1 | 2.2 | 20.9 |
| 377 | Jonesboro AR | 2.2 | 2.2 | 2.1 | 17.8 |
| 378 | Myrtle Beach-Conway-North Myrtle Beach SC-NC | 2.3 | 2.2 | 2.5 | 27.7 |
| 379 | Naples-Immokalee-Marco Island FL | 2.3 | 2.3 | 3.0 | 39.9 |
| 380 | Casper WY | 2.4 | 2.6 | 2.4 | 14.0 |
| 381 | Burlington-South Burlington VT | 2.7 | 2.6 | 2.5 | 19.5 |
| 382 | Fayetteville-Springdale-Rogers AR-MO | 2.9 | 2.9 | 2.7 | 27.5 |
（注：
第3列是7月对6月月增幅，以此排名
第4列是6月对5月月增幅
第5列是5月对4月月增幅
第6列是2022年7月对2021年7月年增幅
）
需要说明的，房价指数的月增幅数据是非常volatile的， 并且下月新的数据出来后最近几个月的数据会有较大的修正，即便这样这个数据还是有相当说服力的（注：别小看1%的平均月跌幅， 因为即便在次贷危机低谷，全国平均月跌幅也没有超过2%的，房价月增长2%不算新鲜事，但平均月跌2%还是非常少见）。
这是本周期Freddie Mac房价指数第一次显示多都市区同时出现房价下滑。这篇文章本来是上个月的数据还没出来之前写的， 我当时估计不少都市区应该出现房价下跌，但上月数据出来后， 只有 Napa CA 下跌了0.1%，没有数据支持，我也不能胡说八道， 只好再等了一个月到今天数据出来后再发。
由于房价指数有一定的滞后性（详见：如何理解历史房价指数和买卖数据 ），比如7月份过户的房子估计售价在5月份或6月份就早已经定了，所以7月的房价指数实际反映的是一两个月之前的价格。随着高利率的坚挺，以后房价指数中下跌的都市区会越来越多，趋势会越来越明显。
可以看出，向来做为趋势引领者的加州部分地区，尤其是房价奇高的北加，以及华盛顿州，和受益于加州人口外溢而炙手可热的爱达荷、犹他、科罗拉多等西部山地州的泡沫正在破裂，由于价格超出家庭承受能力也正在下调。正所谓蹦得越高就跌得越惨，加州周边各州在过去涨幅太过凶猛，价格下跌是在情理之中。股票可以一年涨40%，房市一年涨40%就太离谱了。
再对我感兴趣的几个地区加几句评论和瞎预测。
德州在上次的次贷危机中受影响不大，这次就不会有那么好运了。房价上涨凶猛的奥斯汀价格应该会有不小幅度的下调。就连达拉斯和休斯顿可能也会有小幅调整。
佛州目前房市仍然是坚挺，在过去的一两年中，佛州是美国房价涨幅最快的州：
| Ranking | State | 2022M6~2022M7 | 2022M5~2022M6 | 2022M4~2022M5 | 2021M7~2022M7 |
| 1 | FL | 1.5 | 1.6 | 2.3 | 27.1 |
| 2 | NC | 1.5 | 1.7 | 2.4 | 23.4 |
| 3 | MT | 2.1 | 2.1 | 2.3 | 23.1 |
| 4 | AZ | 1.2 | 0.7 | 1.7 | 22.5 |
| 5 | TN | 1.3 | 1.4 | 2.2 | 22.5 |
| 6 | SC | 1.7 | 2.0 | 2.0 | 22.0 |
| 7 | GA | 1.4 | 1.2 | 1.9 | 21.8 |
| 8 | VT | 2.7 | 2.6 | 2.5 | 20.3 |
| 9 | AR | 2.4 | 2.3 | 2.2 | 20.1 |
| 10 | NV | 1.2 | 1.2 | 1.5 | 19.8 |
| 11 | TX | 1.1 | 0.8 | 2.0 | 19.7 |
| 12 | ME | 1.6 | 1.6 | 2.0 | 18.2 |
| 13 | SD | 1.5 | 1.7 | 1.9 | 17.9 |
| 14 | MS | 2.0 | 1.9 | 2.0 | 17.9 |
| 15 | WY | 2.5 | 2.8 | 2.5 | 17.6 |
| 16 | RI | 1.8 | 2.0 | 2.2 | 17.3 |
| 17 | AL | 1.5 | 1.5 | 1.7 | 17.1 |
| 18 | UT | 0.2 | 0.2 | 1.0 | 16.6 |
| 19 | NH | 1.4 | 1.7 | 1.8 | 16.6 |
| 20 | NM | 1.1 | 1.0 | 1.4 | 15.8 |
| 21 | OK | 0.9 | 1.0 | 1.5 | 15.5 |
| 22 | MO | 1.1 | 1.4 | 1.9 | 14.8 |
| USA | 0.5 | 0.7 | 1.4 | 14.6 | |
| 23 | KS | 0.9 | 1.1 | 1.7 | 14.5 |
| 24 | HI | 1.0 | 0.9 | 1.1 | 14.5 |
| 25 | NJ | 1.3 | 1.5 | 1.8 | 14.3 |
| 26 | CT | 1.6 | 2.0 | 2.2 | 14.2 |
| 27 | KY | 1.1 | 1.2 | 1.7 | 14.1 |
| 28 | ID | -0.1 | 0.2 | 1.1 | 13.8 |
| 29 | CO | 0.0 | -0.3 | 0.8 | 13.8 |
| 30 | IN | 0.8 | 1.2 | 1.6 | 13.6 |
| 31 | WI | 1.2 | 1.5 | 2.0 | 13.1 |
| 32 | DE | 0.6 | 0.8 | 1.2 | 12.9 |
| 33 | WA | -0.6 | -0.7 | 0.3 | 12.8 |
| 34 | LA | 1.4 | 1.6 | 1.5 | 12.8 |
| 35 | AK | 1.7 | 1.8 | 1.9 | 12.8 |
| 36 | NY | 1.4 | 1.6 | 2.0 | 12.5 |
| 37 | IA | 1.5 | 1.6 | 2.1 | 12.5 |
| 38 | MI | 0.9 | 1.2 | 1.8 | 12.4 |
| 39 | NE | 0.8 | 1.0 | 1.6 | 12.2 |
| 40 | OH | 0.5 | 0.9 | 1.8 | 12.1 |
| 41 | MA | 0.7 | 0.9 | 1.6 | 12.1 |
| 42 | PA | 0.5 | 0.9 | 1.3 | 11.3 |
| 43 | VA | 0.3 | 0.4 | 1.2 | 11.2 |
| 44 | OR | 0.0 | -0.1 | 0.7 | 11.1 |
| 45 | IL | 0.9 | 1.4 | 1.7 | 11.1 |
| 46 | CA | -0.5 | -0.6 | 0.4 | 10.7 |
| 47 | ND | 1.0 | 1.3 | 1.4 | 10.3 |
| 48 | WV | 0.7 | 0.6 | 0.9 | 10.1 |
| 49 | MN | 0.2 | 0.7 | 1.5 | 9.6 |
| 50 | MD | 0.1 | 0.1 | 0.6 | 9.2 |
| 51 | DC | 0.5 | 0.9 | 0.9 | 5.9 |
但不要高兴的太早，佛州的房市向来是后知后觉，其实如果不包括过去两年， 除南部迈阿密等地区外，佛州其它地区的房价涨势也并不是太凶猛，尽管比全国平均要好些。再说，美国中西部很多鸟不拉屎的地方在过去两三年涨势也很凶猛，都算是补涨。这都是些跟屁虫，不能算是趋势的引领者。由于房市的趋势一旦形成，不可能马上终止，所以估计佛州的房市还会继续上涨，到年底包括Tampa等在内的热点城市的房价可能就该到顶并开始下调了。当然，下调的幅度取决于全国经济形势，毕竟佛州自己的经济撑不起它的地产业。
房价调整应该主要会局限在蹦得高跌得很的所谓热点地区，而对房价相对稳定的广大中西部地区的人们来说，咱们该干嘛还干嘛，别听了兔子叫耽误种豆子，BRRRR好就继续BRRRR，只要有现金流就不怕。
一孔之见，一孔之见！ 若误信我的胡言乱语而造成损失，我只负一毛的责任，哈哈！
建宁 2022/09/01
