Interest Rate Charts

Kettle1 Reasearch

Interest Rate VS Northeast Median Home Price $400,000

18%

16%

$350,000

14% $300,000 12% $250,000 10% $200,000 8%

$150,000

6%

Average Interest Rate

Median Home Sales Price

2009

2007

2005

2003

2001

1999

1997

1995

1993

1991

1989

1987

1985

1983

1981

1979

1977

$100,000 1975

4%

Kettle1 Reasearch

Interest Rate VS US Median Home Price 18%

$280,000 $260,000

16% $240,000 14% $220,000 12%

$200,000

10%

$180,000 $160,000

8% $140,000 6% $120,000

Average Interest Rate

Median Home Sales Price

2007

2005

2003

2001

1999

1997

1995

1993

1991

1989

1987

1985

1983

1981

1979

1977

$100,000 1975

4%

Kettle1 Reasearch

HAI Vs US HAI & Cost Ratio 130

18%

120

16% 110

14%

12%

90

10%

80

HAI, Cost Ratio

Interest Rate

100

70

8% 60

6% 50 40

Average Interest Rate

HAI (Gross PI)

2007

2005

2003

2001

1999

1997

1995

1993

1991

1989

1987

1985

1983

1981

1979

1977

1975

4%

Scaled Cost Ratio

-Note: Scaled Cost Ratio is The median home sales price divided by the median household income and scaled to a range of 50-120.