Home energy assistance program accepting applications for winter season News

Table of Content

• Home energy assistance program accepting applications for winter season
• How To Get The Microsoft Office Military Discount
• Microsoft Home Use Program
Home Use Program (HUP) 365

The Microsoft Store also offers a 10% discount to military servicemembers and their families every day. Check out my article on the Microsoft store military discount for more details. To verify your identity, a confirmation notice will be sent to your work e-mail address. Upon receipt, please read the instructions in the e-mail and click on the link provided. You will be taken to a secure site where you can complete your order of Home Use Program licensed software.

HUP is not a benefit to buy low-cost software for family members. Select the country the software is being purchased from. The HUP program Office license has aligned with the Microsoft single use consumer Office 365 and Office Pro Plus licensing model. For $69.99 a year, military families can get Office 365 for 5 devices and 5 mobile devices.

Home energy assistance program accepting applications for winter season

Active military servicemembers can get the entire Microsoft 365 package for just $69/year, a 30% discount. Please note that some product and language versions may not be available at the time you place an order. Please do not order if you do not meet this qualification. Microsoft limits the number of copies of Visio and Project made available through HUP to the number of Air Force licenses. Once that threshold is reached, then Visio and Project will no longer be available. "They may be able to help with other services a person or people could qualify for," said Loewen.

Also, what exactly happens if you go to the HUP web site and type in your work DHS e-mail address most of the time you won’t be asked for a code. If you don’t want to be waiting on the phone, try chat support. It requires a Microsoft Account though. Follow the instructions posted by Spencer above the one that says Option 2.

How To Get The Microsoft Office Military Discount

Check with your benefits administrator. Or call Microsoft using the instructions above and give them your military e-mail. I know for a fact the UK’s Ministry of Defense and New Zealand’s armed forces have an HUP program. I got the information from homeport. Those are the two codes that were listed for Navy and USMC. I know the Navy code worked for my navy.mil account.

Military Money Manual and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Thank you for supporting my independent, veteran owned site. Enter your corporate e-mail address and insert the program code you received from OCIS. You are now eligible to participate in Microsoft's Software Assurance Home Use Program .

Microsoft Home Use Program

If you're having problems with the Microsoft HUP military program, see below the picture for some great tips from some of the commentators. The 365 Home suite comes with the entire Office collection, not just the basics. You can also share the account with up to 6 family members, which is great for school kids. The Platinum Card® from American Express card is annual fee waived for military. Restrictions vary by country.Find out if your eligible. With Windows 7 or older versions of Windows.

This program enables you to get a licensed copy of most Microsoft® Office desktop PC applications to install and use on your home computer. The current versions available are Office Professional Plus 2013 for PC and Office for Mac 2011. To sign in, enter your Email-4-Career (@us.af.mil) e-mail address and the program code.

Microsoft Office for Military FAQ

The order confirmation page will include the product installation key. Please print this page and keep it for your records. I actually got the “site blocked” problem from one of the links on this page (I don’t remember which). The system has been acting up tonight, so it may have been that, although the rest of the time, I just couldn’t access sites from my regular shortcuts.

I just tried with a Coast Guard e-mail address and it worked just fine. The e-mail was even sent to my inbox and not my junk folder. Also, please be patient and don’t take it out your frustration on the technician you get because the problem is solely with the Coast Guard’s I.T. Department who are unwilling to unblock validations e-mails from Microsoft which the Microsoft technician cannot do anything about but use a workaround that takes time. So far I have been trying for days and no one seems to be able to help me. They just say to contact the internet service provider for the email to have the email unblocked.

thoughts on “Microsoft Office Military Discount 2022

Was not successful without code or with code for @navy.mil address. However, I used 18DCD3115E and it worked. Same here… Navy codes for @navy.mil are NOT working…. Definitely would like the new code. I reached out to NMCI helpdesk on a link I found on the DONCIO site and they said 3BA9CE3008 should work for the Microsoft Office program as designed for USMC.mil accounts.

If you have a service request number with Microsoft tech support, demand to be escalated to higher level of support. Once you get to chat rep state right away you want a refund for the product you bought from their Home Use Program. After that provide your order number and work e-mail address.

Microsoft Home Use Program

Just contact MS using the guide above. I don’t see the “Other Office Products” link. And when I went to the “Office” page, they don’t even have the Office Professional Plus 2019 listed as a product. To report an accessibility issue on this website, email This web site is provided as a public service by the Ellsworth Air Force Base, Airman & Family Readiness Center. Microsoft does not accept returns on software purchased through the HUP.

This should cut down on the confusion since program codes are from the “old” HUP. Yes, Microsoft has moved to a subscription basis for their Microsoft Office products. This includes Word, Excel, PowerPoint, Outlook, and many other programs. The advantage is they are all cloud based now so you can access on any computer and share with many users. You need to enter your full military email address.

Setup and installation support is provided for software purchased through the HUP. Please refer to the support documentation included with your product for more information. Complete the checkout process and make payment with your personal credit card. Only real problem is you can only use Office on one machine and you can’t purchase a second copy. Haven’t found a way yet to uninstall on one computer and reinstall on another. I’m sure it’s out there somewhere.

How To Fix Hard Water Hair Damage 13 Tips For Instant Results

Table of Content

• How do I fix hard water problems?
• Fostering Bacterial Growth
• Electronic Water Conditioners
• Easy Fix for Hard Water Problems
• Contact Black Hills Home Services

Keep in mind that the hardness minerals remain as well as the chelation substance. Ion exchange is considered one of the most effective softening techniques, and can usually eliminate mineral deposits entirely. However, this technique alters the water chemistry since minerals are removed from the water, which may affect the water’s taste.

The ion exchange process takes place in a salt-based water softener. When water flows into a bed of resin, the calcium and magnesium minerals are attracted to the media and adhere to its surface. At the same time, sodium ions are released, thus exchanging the hard water ions with sodium ions. The products above cost less up front, but none eliminate the problem entirely. Whether you select a salt-based water softener or an electronic water conditioner, you’ll be able to put the hassles of hard water behind you.

How do I fix hard water problems?

Products like this work to treat years of hard water buildup, stains, and film. Products that are specifically formulated for hard water are made to withstand the positive charge of the calcium atoms so that soap can be rinsed off easily. If installing a hard water treatment system is not an option, then use a T3 hard water softener in your shower. Water conditioners are a salt-free option for dealing with hard water. They work by changing the structure of the minerals in hard water so that they cannot bind to soap or form deposits.

This is because soap molecules are negatively charged on one end to help the molecule dissolve in water. Try this, and see how your hair won’t cry out for a wash every day. When you wash your hair frequently, your scalp produces natural oils to keep the balance. Give your hair a good lustrous masque treatment to repair the broken fibres. Your hair will feel silky, shiny, and most importantly without minerals. There is a good reason why professional hair stylists use the Malibu C Demineralizer gels to prep your hair before color services.

Fostering Bacterial Growth

The problem starts when calcium and magnesium ions in hard water build up inside the pipes, gradually reducing their efficiency. This can lead to problems with joints and valves, which are usually made from brass or copper. You might notice drips or leaks starting to appear, indicating that the problem is growing worse every day. If you see anything like this happening, then it’s time to get it sorted out before things get much worse. When it comes to the most effective and efficient method of softening hard water, installing an entire system is the best way to go. For instance, a reverse osmosis filtration system is an all-in-one filtration system that can get rid of the hard minerals in the water.

Fill a bucket or large bowl with warm vinegar, and place kitchen items that are spotted with calcium into it. This removes calcium deposits and leftover scum your soap may have left behind. The other end of the molecule works to keep oil particles suspended in the water. Hard water works against the molecule because it contains positively charged calcium atoms.

Electronic Water Conditioners

If conventional water softeners are restricted in your area, or you’re concerned about a salty taste in your water, consider a TAC or NAC water conditioner. If you have hard water, you may be able to reduce calcium and magnesium buildup in your pipes by installing a water softener. Every time they pass through your plumbing fixtures and appliances they leave behind a little bit of buildup. Things like dishwashers, hot water tanks and even toilets can be ruined by scaling and sediment from hard water. Before you know it, you’ll be replacing a four-year-old hot water heater that should’ve lasted for 10 years.

Some models attach to a kitchen faucet, while others come in pitchers for you to store drinking water. These handy units use a special variety of salt to neutralize the minerals in the water and stop buildup before it starts. They can even be customized, so if you prefer, it can only soften the hot water, while leaving your cold water untouched. The only trouble is that a softener can be expensive and it will slightly increase your utility bills. Distillers use an evaporation and condensing technique to eliminate hard water minerals and impurities.

Easy Fix for Hard Water Problems

That includes what the benefits may be and how to make ACV toner at home. Our experts continually monitor the health and wellness space, and we update our articles when new information becomes available. This will help remove excess oil and debris without stripping the hair. Restore moisture and shine into your locks with a nourishing hair mask at least two times per week. Use it at least once a week and choose one “that focuses on this issue and not just removal of styling product buildup,” Elizabeth explains. Thankfully, there are some things you can do to counteract these effects.

Leave these issues unresolved and it could even lead to hair loss. If you’ve ever washed your hands and noticed a film on them afterward, this is the result of hard water. Bottom line, you will feel cleaner, look brighter, and be happier with your new soft water. You can buy the softener in one go or lease it for a monthly payment. Besides reducing the upfront cost, leasing it usually comes with a professional installation, so you don't have to do it yourself. Try to get at least two quotes on the installation and lease.

Option One: Water Filters

Consider renting or purchasing a Culligan HE Water Softener for a hassle-free solution to this problem. “You’ll find that a mixture of water, vinegar, and a citrus juice of some sort is a good natural solution for treatment,” Lin says. While it contains some minerals, the concentration is nowhere near as high as hard water. One study involving 70 males found that hair lost strength when exposed to hard water, compared with deionized water. At the end of the study, the hair from the hard water samples had decreased in thickness, in addition to having a ruffled appearance. The best way to determine whether a water softener is right for your home is to test your water.

Most softeners also come with detailed installation instructions, although basic plumbing experience will help. Once you've narrowed down the choice to some good models, look at the details. Many softeners refill themselves automatically, going offline for a while during this time.

While getting a water filter might fix your hard water’s taste, it doesn’t give you the benefits that a whole house softener does. If you want to actually remove calcium, rather than just changing its composition, using a salt-based water softener is ideal. The majority of salt-water softener systems can remove more than 5-75+ GPG/PPM (grains per gallon/ parts per million) of hard water ions from your water supply. This type of water can’t form lime-scale, as the offending deposit-forming minerals have been entirely removed. The benefits of soft water in your home are obvious – improved water flow, healthier skin and hair, and so on.

Hence, it wouldn’t be as effective in treating very heavy shower water. This mineral content can result in an unpleasant taste in your water, uncomfortable build-up on your skin after showers and serious wear and tear on appliances and plumbing. In fact, hard water minerals can even reduce the effectiveness of your soap, in the shower and the dishwasher. To soften hard water, start by trying to boil the water and letting it cool before straining out the minerals left behind at the bottom of the pot.

That will also help them drain instead of sticking together and contaminate your shower area. Although it doesn’t seem like much, you waste a lot of water when showering with hard water. But with soft water, it will not only take less water to lather your body and also less water to rinse off. Hence, showering with soft water will save you money on both shower products and water.

There are systems that you can connect to your main water line, which alter the crystal structures of magnesium and calcium as they pass through the system. Hard water is caused by high mineral content—specifically calcium and magnesium sulfates—picked up from water pipes. Some homeowners have water softeners or reverse osmosis systems that soften their water by removing the minerals, but a lot of others simply live with hard water. As mentioned above, it is important to treat hard water buildup on appliances. We recommend cleaning pipes and appliances regularly to keep from having to replace them too soon with simple appliance cleaning solutions that are available from many brands.

Easy Ways to Repair Damaged Hair With Products You Already Have at Home

Table of Content

• Lifestyle Changes to Manage Damaged Hair
• Use aloe vera gel as a conditioner
• Heat protection
• Khloé Kardashian Debuts Stunning Hair Transformation on Instagram
• Condition with olive oil
• Protect your chemically treated hair from sun damage

Your hair is an important aspect of your appearance, and dull or lifeless hair can make you self-conscious. Take our free Hair Quiz and get a personalized routine recommendation. Uncombable hair syndrome is a rare disease caused by a genetic mutation. Here's more about the condition and what to expect after a diagnosis. Our experts continually monitor the health and wellness space, and we update our articles when new information becomes available.

For hair that is in the early stages of damage, hair treatment methods can smooth down the hair follicles, which may then help repair the look of damaged hair. Grooming habits, chemical treatments, and environmental exposure can also cause weathering of the hair shaft and change the texture of the hair. All that fat is great for damaged hair, lending itself to improved shine and softness. Go for deeply hydrating treatments for your hair every now and then to prevent dryness and hair damage.

Lifestyle Changes to Manage Damaged Hair

If you want wonderful waves, find out how to revive wavy hair in these six steps. Fresh from the shower, pat your hair dry with a microfiber towel or a cotton t-shirt. It might be how they do it in the movies, but roughing up your hair with a traditional towel is a one-way ticket to breakages. Apply a good-quality conditioner to your hair and leave it on for at least 10 minutes before rinsing.

It moisturizes your hair, adds shine to it, nourishes your scalp through the essential amino acids in it, and increases hair growth. Honey is a natural humectant, which means it helps absorb moisture from the atmosphere and seep it into your hair strands. It is also rich in antioxidants and nutrients that can promote hair growth and thickness.

Use aloe vera gel as a conditioner

They will work to keep all the moisture in your strands. Chemical treatments are popular with women who use them to change the styles and colors of their hair. Chemicals are used in dyes and perms, and in relaxing and bleaching products. While the results may be desirable, the side effects eventually catch up with your hair, which can be burned, dry, brittle and rough.

These products are formulated with the proper pH to prevent the hair shaft from swelling and allowing the dye to leak out. Your color will last longer, and your hair will look and feel better. And they can promote healthy hair growth, soften strands, combat frizz, keep your curls defined, and add shine to your hair. Before drying or ironing your hair, McMaster says, use a heat protection hair spray or serum that contains silicones or polymers, which create a protective barrier over strands.

Heat protection

If you’re detangling your hair wet, use your fingers or a wide-tooth comb. When washing your hair, choose a nourishing conditioner like Dove Intensive Repair Conditioner. This seals your hair cuticle and gives your strands shine. If your hair is still feeling thirsty, try a leave-in conditioner for extra quenching. If you’re seeing frizzy, dull, and dry hair, or if you’re experiencing split ends, breakages or hair loss, chances are you’ve got a spot of chemical damage.

If you buy through links on this page, we may earn a small commission. If you have curly or wavy hair, curls look undefined and may become straight. April (she/her) is the beauty director at Good Housekeeping, Prevention and Woman's Day, where she oversees all beauty content. After you have saturated your hair with the mixture, wrap it in a towel. Cover your hair with a plastic bag, then wrap it all up in a towel.

It’s tangled

Even 10 weeks chemical-free can transform your hair health. If you need a color touch-up, only do the new growth. Using a gentle shampoo in between appointments will help your color stand the test of time. “Olive oil can help restore moisture and elasticity to dry, damaged hair,” Hart says.

To do this, it makes your hair swell, allowing the bleach to reach the inner part of the strand. Here, it dissolves the melanin that gives your hair pigment. Salons can be expensive, but coloring is often best left to the professionals.

Khloé Kardashian Debuts Stunning Hair Transformation on Instagram

A professional colorist knows how to use the correct products to minimize damage. Use a microfiber towel or old cotton t-shirt to dry your hair as they can absorb excess water without causing friction or damaging hair texture. Start from the ends of your hair then work upward to detangle knots without pulling strands harshly to avoid hair loss.

Normally, these are not leave-in conditioners. You will typically apply the conditioner to your hair while it's wet, massage the conditioner into your scalp, and then rinse it out. You can also choose shampoos that contain glycerin and panthenol. Glycerin helps fortify your hair by creating a protective barrier and panthenol allows your hair to retain more moisture and thickens the hair follicles. If you have tangled hair, brush your hair with a wide-toothed comb after applying conditioner to your hair in the shower.

How long does chemically damaged hair take to repair?

The information contained herein is not a substitute for and should never be relied upon for professional medical advice. Always talk to your doctor about the risks and benefits of any treatment. Learn more about our editorial standards here. This damage can be especially severe if you’ve bleached your hair — a process that strips away the natural pigments that provide your hair with protection from UV radiation. Micellar shampoo can help clarify your hair without stripping it of moisture.

Whats Ahead for Home Prices?

Table of Content

• Average HVAC replacement cost
• Tax credits, rebates, and ways to save money on an HVAC system
• Real Estate
• Home prices cooling fastest in pandemic boomtowns
• Does a new HVAC add value to a home?
• HVAC system cost per square foot
• Austin-Travis County

The good news is home prices are expected to return to more normal levels of appreciation rather quickly. The latest forecast from Wells Fargo shows that, while they feel prices will fall in 2023, they think prices will recover and net positive in 2024. That forecast calls for 3.1% appreciation in 2024, which is a number much more in line with the long-term average of 4% annual appreciation. A key difference now compared to the last housing crisis is that many homeowners, and even those struggling to make payments, have had a large boost to their home values in recent years. That means they still have equity in their homes and are not underwater—when you owe more than the house is worth. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction.

Tribeca is the most expensive neighborhood, with a median listing price of $3.9M. A buyer would prefer a sale-to-list price ratio closer to 90%, whereas a seller would always prefer scenarios that yield a ratio of 100% or higher. Sellers received, on average, 102.5% percent of their original list price at sale, a year-over-year improvement of 0.5 percent.

Average HVAC replacement cost

Those loans typically require slender down-payments that provide borrowers with high loans-to-value. But those 12-month figures have been fading fast since March, indicating that a major, sudden slowdown is underway. The AEI’s new data track that deceleration by placing a thumb on the housing pulse that reads the change in dollar prices at those much shorter, 30-day intervals. Between May and June, average values for the overall market rose a tiny 0.2%, down from a 2.1% gain in April. In twenty-one out of 50 metros, month over month prices fell, whereas as recently as February versus January, values rose in every metro.

73% of New York homebuyers searched to stay within the New York metropolitan area. Philadelphia homebuyers searched to move into New York more than any other metro followed by Boston and Los Angeles. Across the nation, 3% of homebuyers searched to move into New York from outside metros. In Jul '22 – Sep '22, 27% of New York homebuyers searched to move out of New York, while 73% looked to stay within the metropolitan area. On average, homes in New York sell after 54 days on the market compared to 58 days last year. In September 2022, New York home prices were up .0% compared to last year, selling for a median price of $800K.

Tax credits, rebates, and ways to save money on an HVAC system

The Housing Affordability Index in New York dropped by 25.6% QoQ to 93. As borrowing costs continue to rise, many buyers and sellers are choosing to wait while the market resets before making their next move. "August data also suggest that the growth in housing prices, while still very strong, may be beginning to decelerate." Surging mortgage rates have put some much-needed pressure on the hot housing market in recent months after home prices hit record highs across the nation. But as mortgage rates have begun to decline in recent weeks, many economists are mixed about whether home prices will continue their slow decline through 2023–or crash. The trajectory for expensive homes follows the course of rates––their prices get turbocharged when mortgages get cheaper, and crushed when the monthly nuts jump fast.

Permits for new HVAC installations with ductwork cost $250 to $1,500. The following table shows the average cost to replace an HVAC system. While there isn’t a clear consensus, if you take the average of all five of these forecasts, the most likely outcome is, nationally, home price appreciation will be fairly flat next year. Robin Rothstein is a mortgage and housing writer at Forbes Advisor US. Prior to this, Robin was a contractor with SoFi, where she wrote mortgage content.

Real Estate

Before investing in a high-SEER unit, compare the annual energy savings to confirm the unit will pay for itself over time. Get a professional home evaluation to determine the ideal HVAC size. Install the new system in the spring or fall when HVAC contractors aren't as busy. Check the Energy Star rebate finder and the Database of State Incentives for Renewables & Efficiency for available rebates and tax incentives. High-velocity HVAC systems are quieter, more efficient, and remove more humidity than traditional HVAC units. While opinions differ, the most likely outcome is we’ll fall somewhere in the middle of slight appreciation and slight depreciation.

Jackson Heights is one of New York City’s most buyer-friendly neighborhoods at the moment with home prices under $700,000. Other buyer-friendly markets with a median sales price below $700,000 include Rego Park, where the median sales price in Oct 2021 was $389K, trending down -by 8.9% year-over-year. What are the New York City real estate market predictions for 2022 & 2023? New York City has a track record of being one of the best long-term real estate investments in the U.S.

Price gains are still otherwise strong because of an imbalance between supply and demand. Rising mortgage rates should help slow the growth in home prices. The Rochester real estate market is stable, offering slow appreciation, affordable properties to outsiders, and good returns. It has strong, long-term potential that is only buoyed if NYC collapses. And this is one of the reasons why being everything the Big Apple isn’t is in your favor. The labor cost to install an HVAC system is $1,000 to $3,000, depending on the home size, furnace and AC unit type and size, and installation complexity.

But that answer falters in, say, Salt Lake City when asking prices that look absurd to local buyers seem reasonable to someone moving in from Seattle. West New York had the largest monthly rental growth rate, up 6.1%. Here are the places where it makes sense to invest in rental properties in the New York City Metro Area.

Home prices had previously been on a tear, but an examination of current listings reveals that homes are sitting longer without buyers. Specifically, more than twice as many single family homes were for sale at the end of July 2022 as compared to a year ago. The housing market is also incredibly reactive to supply and demand. That feeds into a hot market where dwindling inventory ratchets up competition leading to higher prices. Fast forward two years and we find ourselves in an entirely different economic climate.

The Buffalo real estate investment offers a surprisingly good deal with low prices and relatively high rental rates. A majority of homes in the Buffalo housing market were built before World War 2. Interestingly, this also means that many small apartment buildings are designed to serve a population that rented small units close to their jobs. Homebuyers shouldn't expect a buyer's market soon despite lowering prices.

Not everyone has cash dedicated to renovations and repairs, but a little sweat equity can go a long way. Even if your home is outdated, a clean space gives buyers a chance to envision the house’s potential. The first step for a successful sale is to find a listing agent who knows the area and comes highly recommended. A good agent will work closely with you to price your home competitively while fielding questions and offers from prospective buyers. So, instead of waiting for much lower prices, buy a home based on your budget and needs. If you find a home you love in an area you love, and it also fits your budget, then chances are it might be right for you.

An index of 120 means the median household income is 120% of what is necessary to qualify for the median-priced home under prevailing interest rates. In September 2022, there will be only 39,370 available properties for sale. This marks a 14.4 percent decline from the 45,987 properties on the market in September 2021.

Home Prices Are Cooling Off, Sort of What Buyers Need to Know.

Table of Content

• Cost to replace HVAC system by unit
• Watch live: White House monkeypox response team holds briefing
• Costs to upgrade an HVAC system
• What will happen if the housing market crashes?
• Questions to ask HVAC contractors
• Property tax checks worth thousands stolen from Travis …

Mortgage rate fluctuations have hurt low-income buyers, especially first-time buyers. By September, 2.8% of purchases below $800K—the median closing price of NYC sales this year—were canceled. That's double the 2021 rate for this sector and more than three times the cancellation rate for in-contract sales above $800K. Let us look at the price trends recorded by Zillow over the past few years. ZHVI is not the median price of homes that are sold in a month within a geographic region.

Bidding wars with many offers above the asking price will become less prevalent as the market rebalances. According to NeighborhoodScout's data, the cumulative appreciation rate over the ten years has been 77.08%, which ranks in the top 40% nationwide. This equates to an annual average real estate appreciation rate of 5.88%. Despite the pandemic drastically affecting the New York real estate market, during the period between 2021 Q2 – 2022 Q2, New York's appreciation rate has been 10.54%. In the latest quarter tracked by NeighborhoodScout's data (2022 Q1 – 2022 Q2), they show that house appreciation rates in New York were at 0.91%, which equates to an annual appreciation rate of 3.71%.

Cost to replace HVAC system by unit

The nation’s overall housing supply remains limited, as those who purchased homes in recent years at extremely low mortgage rates are staying put. This tight inventory has kept prices from seeing deeper declines, making homes still unaffordable for many, especially first-time homebuyers. According to Redfin, The housing market in the Bay Area is also cooling off rapidly. With mortgage rates approaching 6% in some areas, demand has slowed, forcing the median home prices to fall. Oakland is number three on the list and San Francisco comes in at number 10.

Here are the ten neighborhoods in NYC having the highest real estate appreciation rates since 2000—List byNeigborhoodscout.com. In September, the citywide median asking price for new listings was $999K, with 25% priced above $2M. The housing affordability index decreased by 22% to 99 as compared to September of last year when it was 127.

Watch live: White House monkeypox response team holds briefing

New construction HVAC costs $1.75 to $2.50 per square foot, depending on the system size and type. HVAC for new construction costs less than replacing an existing system because the walls are still open. The cost to install an HVAC system with ductwork is $7,000 to $16,000, depending on if the system includes a separate furnace and AC unit or a heat pump. Most ducts need work when replacing HVAC systems more than 15 years old or when upgrading to bigger or higher-efficiency units. Models with high SEER ratings cost the most upfront but are more energy-efficient and cost less to run. An HVAC installation with ductwork costs $7,000 to $16,000 and takes 3 to 5 days.

Home prices had previously been on a tear, but an examination of current listings reveals that homes are sitting longer without buyers. Specifically, more than twice as many single family homes were for sale at the end of July 2022 as compared to a year ago. The housing market is also incredibly reactive to supply and demand. That feeds into a hot market where dwindling inventory ratchets up competition leading to higher prices. Fast forward two years and we find ourselves in an entirely different economic climate.

Costs to upgrade an HVAC system

Only a year ago, mortgage rates were still making headlines for being in the vicinity of 3% for a30-year fixed-rate loan, fueling bidding wars and almost guaranteeing that sellers received their asking price—or more. New York's single-family homes account for just 1.15% of the city’s housing units. During the latest twelve months, the New York real estate did cool off. However, the cumulative appreciation rate over the ten years has been 38.81%, which ranks in the top 30% nationwide. Evaluate the specifics of the NYC housing market at the time you intend to purchase. Hiring a local property management company can help in finding tenants for your investment property in NYC.

It also means that the Rochester housing market won’t crash if the job market weakens the way San Francisco collapses whenever the tech bubble bursts. For example, roughly a third of homes are single-family detached homes, while almost half take the form of small apartment buildings. This creates an excellent opportunity for those in the market for Buffalo rental properties. You could buy a small apartment building with multiple tenants for the cost of a single rental property in a more expensive New York real estate market. As mentioned earlier, there are plenty of regions that have yet to see home prices cool down in a significant way.

What will happen if the housing market crashes?

Jim Dunn, an urban geographer at Hamilton’s McMaster University, argues that homeowners should not be exempt from capital gains taxes after the sale of primary residences. The resulting tax revenue could be used to build more public housing, something the federal government largely abandoned decades ago. Chief among the tax advantages Mr. Dunn wants eliminated is an exemption from capital gains taxes after the sale of primary residences. Jim Dunn, an urban geographer at McMaster University, in Hamilton, is also the director of a government-sponsored housing research group. He said that any government committed to providing affordable housing will have to take the politically unpalatable step of reversing several tax advantages for homeowners.

Price gains are still strong because of an imbalance between supply and demand. Home prices are still higher than they were a year ago, but the gains slowed at the fastest pace on record in June, according to Black Knight, a mortgage software, data and analytics firm that began tracking this metric in the early 1970s. The annual rate of price appreciation fell two percentage points from 19.3% to 17.3%. Canada’s housing costs are already among the highest in the world, driven, in part, by robust real estate markets in its largest cities, like Toronto and Vancouver, that have a global appeal.

Questions to ask HVAC contractors

An index of 120 means the median household income is 120% of what is necessary to qualify for the median-priced home under prevailing interest rates. In September 2022, there will be only 39,370 available properties for sale. This marks a 14.4 percent decline from the 45,987 properties on the market in September 2021.

Still, the higher housing costs have taken a toll on home shoppers as mortgage applications are at their lowest level in 25 years, according to the Mortgage Bankers Association . He demonstrates how four different price categories fared from on a monthly basis back to 2018, providing the most recent figures from May to June. The low and low-medium groups consist mainly of purchases by first-time buyers. That cohort benefits from mortgages guaranteed by Fannie Mae and Freddie Mac, and for “low,” from the FHA.

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New York State's private sector jobs increased by 361,400, or 4.7%, over the year in September 2022, which exceeded the 4.2% increase in the number of private sector jobs in the U.S. The median days on market in New York City have decreased somewhat over the past month and decreased slightly over the last year. The sale-to-List Price Ratio was 97.77% — homes sold for approximately the asking price on average.

It is calculated by taking all estimated home values for a given region and month , taking a median of those values, and applying some adjustments to account for seasonality or errors in individual home estimates. It, therefore, represents the whole housing stock and not just the homes that list or sell in a given month. Among metropolitan areas, the New York City metro remains the country’s largest real estate market by value, but by a narrowing margin.

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That’s an increase of 45% from a little more than a year ago when mortgage rates were 2.98% and the average monthly mortgage payment was $1,694. The latest data shared Monday from real estate company Redfin showed Austin’s median price per square foot went up 1.3% year-over-year in October. Despite that slight increase, it’s still 23 percentage points lower than what Redfin reported in February earlier this year.

Price drops will not affect the average homeowner as much as they did during the Great Recession, because homeowners today have considerably more equity. Tight underwriting and several years of strong price appreciation caused home equity levels to hit record highs. He said studies have calculated that the cost of that exemption, and of other tax rules that do not capture homeowners’ gains, amounted to six times all levels of government spending on public housing. Another factor contributing to housing price increases is suburban sprawl.