For wannabe homeowners in real estate markets full of well-qualified buyers, competition is fierce, according to recent data from online loan marketplace LendingTree. Especially out West.
"Of the top 10 most competitive cities, only two, St. Louis and Boston, were not in a western U.S. state. High-paying tech jobs, common in places like Oregon, San Francisco and Seattle, likely help fuel market competitiveness in some western cities," the site reports.
In the most competitive areas, potential homeowners are vying against other buyers who are often pre-approved for mortgages, have excellent credit scores and are able to offer hefty down payments. They not only have to be strong candidates, but they have to beat out other qualified buyers as well.
Here's the full list of the 15 housing markets were competition is the toughest.
15. New York, New York
Percent of buyers with good or excellent credit: 58
Average down payment: 17 percent
Median home price: $829,000
14. San Antonio, Texas
Percent of buyers with good or excellent credit: 55
Average down payment: 14 percent
Median home price: $239,990
13. Milwaukee, Wisconsin
Percent of buyers with good or excellent credit: 52
Average down payment: 14 percent
Median home price: $124,900
12. Phoenix, Arizona
Percent of buyers with good or excellent credit: 48
Average down payment: 15 percent
Median home price: $275,000
11. Minneapolis, Minnesota
Percent of buyers with good or excellent credit: 58
Average down payment: 14 percent
Median home price: $300,000
10. Boston, Massachusetts
Percent of buyers with good or excellent credit: 57
Average down payment: 16 percent
Median home price: $699,900
9. Sacramento, California
Percent of buyers with good or excellent credit: 50
Average down payment: 15 percent
Median home price: $312,650
8. Seattle, Washington
Percent of buyers with good or excellent credit: 65
Average down payment: 19 percent
Median home price: $689,950
7. Las Vegas, Nevada
Percent of buyers with good or excellent credit: 52
Average down payment: 14 percent
Median home price: $299,900
6. St. Louis, Missouri
Percent of buyers with good or excellent credit: 54
Average down payment: 15 percent
Median home price: $145,000
5. San Jose, California
Percent of buyers with good or excellent credit: 65
Average down payment: 19 percent
Median home price: $939,000
4. San Francisco, California
Percent of buyers with good or excellent credit: 59
Average down payment: 17 percent
Median home price: $1.3 million
3. Portland, Oregon
Percent of buyers with good or excellent credit: 57
Average down payment: 15 percent
Median home price: $449,900
2. Los Angeles, California
Percent of buyers with good or excellent credit: 55
Average down payment: 17 percent
Median home price: $799,250
1. Denver, Colorado
Percent of buyers with good or excellent credit: 56
Average down payment: 16 percent
Median home price: $459,900
Interestingly, the most difficult places to buy a home aren't necessarily the most expensive. Although the median home price in Denver, $459,900, according to Zillow, is significantly higher than the national median of $275,000, it's still well below the median in expensive markets like New York and San Francisco.
Other competitive cities are even cheaper: St. Louis, Missouri, with a median home price of $145,000, comes in at No. 6. And Milwaukee, Wisconsin, with a median home price of $124,000, earns the No. 10 spot.
That means that, even in a more affordable housing market, it can still be challenging to buy a home.
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