Life and Money

These Once-Hot Housing Markets Are Cooling Off

Some real estate markets are seeing significant slowdowns.

Cameron Huddleston
Life and Money Columnist

Jan 21, 2020 Real Estate Investing 101

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The housing market is expected to cool off in 2020, according to real estate experts. If you’re a buyer, don’t get too excited yet — that doesn’t mean home prices will start falling nationwide.

“Real estate is on firm ground with little chance of price declines,” said Lawrence Yun, chief economist at the National Association of Realtors, in a press release.

Instead, what the cool-off means is that home prices won’t continue to rise as quickly as before. In 2019, the median sale price for homes in the U.S. rose by 5%. For 2020, home sale prices are forecasted to rise by just 3.6%, according to economists surveyed by the National Association of Realtors. However, some housing markets across the U.S. have already seen a significant slowdown in home price growth, a new GOBankingRates study found. That could be good news for buyers in those areas.

GOBankingRates analyzed the 500 largest housing markets in the U.S. to determine which ones have cooled off the most over the past year. Using data from real estate marketplace Zillow, the study identified housing markets that saw higher growth in median home list prices from 2017 to 2018 compared to the national average. The 136 markets with faster-than-average growth were then narrowed down to the ones that experienced below-average growth between 2018 and 2019. Ranked from the smallest slowdown to the biggest, the final list from GOBankingRates includes the 50 housing markets with the largest drop in year-over-year growth, indicating once-hot markets that have cooled off considerably.

The majority of these housing markets are located in the South and the West — in fact, 10 are in California alone. Unfortunately for buyers, however, you won’t find many of the hottest California real estate markets on this list. If you’re looking to sell or buy a home, proceed with caution: These housing markets could be headed for trouble.

Last updated: Jan. 21, 2020

Top view playground near residential neighborhood with overhead power lines in Carrollton, suburbs Dallas, Texas, USA.

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50. Carrollton, Texas

2017 median home list price: $299,900
2018 median home list price: $322,450
2019 median home list price: $319,000
2017-18 year-over-year home price change: 7.52%
2018-19 year-over-year home price change: -1.07%
Average number of days on market: 58.0
Percentage of listed homes with price cuts: 15.38%

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49. Missoula, Montana

2017 median home list price: $329,998
2018 median home list price: $354,950
2019 median home list price: $349,900
2017-18 year-over-year home price change: 7.56%
2018-19 year-over-year home price change: -1.42%
Average number of days on market: 64.0
Percentage of listed homes with price cuts: 12.68%

Merced, California, USA - April 17, 2019: Daytime view of the Merced Theatre along W.

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48. Merced, California

2017 median home list price: $255,900
2018 median home list price: $279,450
2019 median home list price: $279,000
2017-18 year-over-year home price change: 9.20%
2018-19 year-over-year home price change: -0.16%
Average number of days on market: 84.0
Percentage of listed homes with price cuts: 14.26%

Oceanside, California - March 23, 2017: People participate in leisure activities on the popular Southern California beach located in San Diego County.

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47. Oceanside, California

2017 median home list price: $509,500
2018 median home list price: $559,500
2019 median home list price: $560,495
2017-18 year-over-year home price change: 9.81%
2018-19 year-over-year home price change: 0.18%
Average number of days on market: 56.0
Percentage of listed homes with price cuts: 12.36%

Medford Oregon and the surrounding area.

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46. Medford, Oregon

2017 median home list price: $305,000
2018 median home list price: $330,000
2019 median home list price: $324,990
2017-18 year-over-year home price change: 8.20%
2018-19 year-over-year home price change: -1.52%
Average number of days on market: 72.0
Percentage of listed homes with price cuts: 18.17%

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45. Hampton, Virginia

2017 median home list price: $175,000
2018 median home list price: $189,900
2019 median home list price: $187,500
2017-18 year-over-year home price change: 8.51%
2018-19 year-over-year home price change: -1.26%
Average number of days on market: 78.0
Percentage of listed homes with price cuts: 17.53%

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Scenic lake view and forest in Everett from the backyard in sunset.

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44. Everett, Washington

2017 median home list price: $362,450
2018 median home list price: $399,000
2019 median home list price: $400,000
2017-18 year-over-year home price change: 10.08%
2018-19 year-over-year home price change: 0.25%
Average number of days on market: 49.0
Percentage of listed homes with price cuts: 8.41%

Farm in El Cajon, California, along Interstate 8 eastbound, also called Kumeyaay Highway.

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43. El Cajon, California

2017 median home list price: $489,000
2018 median home list price: $539,888
2019 median home list price: $540,000
2017-18 year-over-year home price change: 10.41%
2018-19 year-over-year home price change: 0.02%
Average number of days on market: 50.0
Percentage of listed homes with price cuts: 15.05%

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42. Vancouver, Washington

2017 median home list price: $340,000
2018 median home list price: $379,900
2019 median home list price: $383,900
2017-18 year-over-year home price change: 11.74%
2018-19 year-over-year home price change: 1.05%
Average number of days on market: 62.0
Percentage of listed homes with price cuts: 15.12%

"The entrance to the Municipality of Hialeah.

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41. Hialeah, Florida

2017 median home list price: $285,000
2018 median home list price: $320,000
2019 median home list price: $324,900
2017-18 year-over-year home price change: 12.28%
2018-19 year-over-year home price change: 1.53%
Average number of days on market: 70.0
Percentage of listed homes with price cuts: 11.68%

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40. Delray Beach, Florida

2017 median home list price: $274,000
2018 median home list price: $295,000
2019 median home list price: $285,000
2017-18 year-over-year home price change: 7.66%
2018-19 year-over-year home price change: -3.39%
Average number of days on market: 92.0
Percentage of listed homes with price cuts: 16.83%

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A view of a red shed and farm animals in Auburn, Washington.

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39. Auburn, Washington

2017 median home list price: $359,950
2018 median home list price: $399,950
2019 median home list price: $400,000
2017-18 year-over-year home price change: 11.11%
2018-19 year-over-year home price change: 0.01%
Average number of days on market: 45.0
Percentage of listed homes with price cuts: 6.62%

CORAL SPRINGS, FL, USA: Backyard view of lake and houses.

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38. Coral Springs, Florida

2017 median home list price: $350,000
2018 median home list price: $379,900
2019 median home list price: $369,950
2017-18 year-over-year home price change: 8.54%
2018-19 year-over-year home price change: -2.62%
Average number of days on market: 85.0
Percentage of listed homes with price cuts: 16.12%

Fort Collins, Colorado, USA - February 2, 2013: People walking in the Old Town pedestrian zone of Fort Collins, Colorado at night.

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37. Fort Collins, Colorado

2017 median home list price: $390,000
2018 median home list price: $425,000
2019 median home list price: $415,000
2017-18 year-over-year home price change: 8.97%
2018-19 year-over-year home price change: -2.35%
Average number of days on market: 75.5
Percentage of listed homes with price cuts: 15.19%

May 11, 2018 Santa Clara / CA / USA - Sunset view of the street and surrounding buildings near Levi's Stadium in south San Francisco bay area - Image.

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36. Santa Clara, California

2017 median home list price: $1,100,000
2018 median home list price: $1,225,000
2019 median home list price: $1,221,800
2017-18 year-over-year home price change: 11.36%
2018-19 year-over-year home price change: -0.26%
Average number of days on market: 51.5
Percentage of listed homes with price cuts: 9.69%

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35. Redmond, Washington

2017 median home list price: $739,000
2018 median home list price: $825,000
2019 median home list price: $825,000
2017-18 year-over-year home price change: 11.64%
2018-19 year-over-year home price change: 0%
Average number of days on market: 49.0
Percentage of listed homes with price cuts: 10.60%

See: 50 Places Where Home Prices Are Rising Faster Than Rent

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34. East Los Angeles, California

2017 median home list price: $415,000
2018 median home list price: $472,500
2019 median home list price: $479,900
2017-18 year-over-year home price change: 13.86%
2018-19 year-over-year home price change: 1.57%
Average number of days on market: 70.0
Percentage of listed homes with price cuts: 11.66%

LOS ANGELES, CA, JAN 2017: detail of beautiful art deco Metrolink and Amtrak railway station with palm trees in Downtown Burbank.

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33. Burbank, California

2017 median home list price: $757,000
2018 median home list price: $837,000
2019 median home list price: $822,000
2017-18 year-over-year home price change: 10.57%
2018-19 year-over-year home price change: -1.79%
Average number of days on market: 57.0
Percentage of listed homes with price cuts: 14.57%

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32. Warren, Michigan

2017 median home list price: $115,000
2018 median home list price: $124,900
2019 median home list price: $119,900
2017-18 year-over-year home price change: 8.61%
2018-19 year-over-year home price change: -4.00%
Average number of days on market: 68.0
Percentage of listed homes with price cuts: 20.57%

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31. North Las Vegas, Nevada

2017 median home list price: $239,900
2018 median home list price: $275,000
2019 median home list price: $279,800
2017-18 year-over-year home price change: 14.63%
2018-19 year-over-year home price change: 1.75%
Average number of days on market: 81.0
Percentage of listed homes with price cuts: 17.96%

Sunset over Lake Lanier in Gainesville, Georgia.

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30. Gainesville, Georgia

2017 median home list price: $274,840
2018 median home list price: $301,450
2019 median home list price: $291,357
2017-18 year-over-year home price change: 9.68%
2018-19 year-over-year home price change: -3.35%
Average number of days on market: 76.0
Percentage of listed homes with price cuts: 16.83%

10914, 4th of July, Arizona, Cities, Flagstaff, Horizontal, america

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29. Flagstaff, Arizona

2017 median home list price: $427,000
2018 median home list price: $459,950
2019 median home list price: $435,000
2017-18 year-over-year home price change: 7.72%
2018-19 year-over-year home price change: -5.42%
Average number of days on market: 91.0
Percentage of listed homes with price cuts: 11.89%

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Golden sunset over the port at lake Thunderbird, Norman, Oklahoma - Image.

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28. Norman, Oklahoma

2017 median home list price: $207,913
2018 median home list price: $239,900
2019 median home list price: $244,058
2017-18 year-over-year home price change: 15.38%
2018-19 year-over-year home price change: 1.73%
Average number of days on market: 75.0
Percentage of listed homes with price cuts: 15.71%

Lincoln, Nebraska, USA - July 9, 2013: People in the busy downtown area of Lincoln, the capital city of the state of Nebraska with a colorful pedestrian bridge which is part of the city's effort to make the area more appealing.

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27. Lincoln, Nebraska

2017 median home list price: $215,000
2018 median home list price: $242,250
2019 median home list price: $239,700
2017-18 year-over-year home price change: 12.67%
2018-19 year-over-year home price change: -1.05%
Average number of days on market: 56.0
Percentage of listed homes with price cuts: 16.71%

City of Idaho Falls in Idaho State showing famous landmark church in autumn, USA.

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26. Idaho Falls, Idaho

2017 median home list price: $209,950
2018 median home list price: $239,980
2019 median home list price: $241,250
2017-18 year-over-year home price change: 14.30%
2018-19 year-over-year home price change: 0.53%
Average number of days on market: 52.0
Percentage of listed homes with price cuts: 17.97%

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25. Allen, Texas

2017 median home list price: $371,448
2018 median home list price: $416,990
2019 median home list price: $409,900
2017-18 year-over-year home price change: 12.26%
2018-19 year-over-year home price change: -1.70%
Average number of days on market: 79.0
Percentage of listed homes with price cuts: 22.77%

People on a street car on a sunny day in the picturesque downtown of Tallahassee, the capital city of the southern US state of Florida.

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24. Tallahassee, Florida

2017 median home list price: $199,999
2018 median home list price: $220,000
2019 median home list price: $210,000
2017-18 year-over-year home price change: 10.00%
2018-19 year-over-year home price change: -4.55%
Average number of days on market: 84.0
Percentage of listed homes with price cuts: 12.89%

Also Read: Houses Are Selling the Fastest in These 30 Real Estate Markets

Jersey City, New Jersey, USA - September 14, 2018: Night view of Manhattan with Exchange Place - Image.

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23. Jersey City, New Jersey

2017 median home list price: $529,566
2018 median home list price: $599,000
2019 median home list price: $590,000
2017-18 year-over-year home price change: 13.11%
2018-19 year-over-year home price change: -1.50%
Average number of days on market: 117.0
Percentage of listed homes with price cuts: 11.43%

Showing beauty and architecture of South Minneapolis.

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22. Minneapolis

2017 median home list price: $269,900
2018 median home list price: $305,000
2019 median home list price: $300,000
2017-18 year-over-year home price change: 13.00%
2018-19 year-over-year home price change: -1.64%
Average number of days on market: 69.0
Percentage of listed homes with price cuts: 15.13%

October 7, 2017 Redwood City/CA/USA - Panoramic view of San Mateo county History Museum located in Courthouse Square - Image.

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21. Redwood City, California

2017 median home list price: $1,386,500
2018 median home list price: $1,550,000
2019 median home list price: $1,499,000
2017-18 year-over-year home price change: 11.79%
2018-19 year-over-year home price change: -3.29%
Average number of days on market: 41.5
Percentage of listed homes with price cuts: 11.04%

Drone Aerial View of Downtown Columbia, South Carolina, USA.

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20. Columbia, South Carolina

2017 median home list price: $162,720
2018 median home list price: $186,650
2019 median home list price: $185,000
2017-18 year-over-year home price change: 14.71%
2018-19 year-over-year home price change: -0.88%
Average number of days on market: 65.0
Percentage of listed homes with price cuts: 15.57%

Baltimore, Maryland, USA cityscape overlooking little italy and neighborhoods.

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19. Baltimore

2017 median home list price: $139,500
2018 median home list price: $160,000
2019 median home list price: $158,000
2017-18 year-over-year home price change: 14.70%
2018-19 year-over-year home price change: -1.25%
Average number of days on market: 108.0
Percentage of listed homes with price cuts: 18.54%

Fall River Public Library, Massachusetts.

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Kenneth C. Zirkel / Wikimedia Commons

18. Fall River, Massachusetts

2017 median home list price: $222,400
2018 median home list price: $259,000
2019 median home list price: $259,900
2017-18 year-over-year home price change: 16.46%
2018-19 year-over-year home price change: 0.35%
Average number of days on market: 78.0
Percentage of listed homes with price cuts: 13.39%

brick path in park, Five Rivers Metropark, Metropark, flower planters in park.

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17. Dayton, Ohio

2017 median home list price: $59,900
2018 median home list price: $69,900
2019 median home list price: $69,900
2017-18 year-over-year home price change: 16.69%
2018-19 year-over-year home price change: 0%
Average number of days on market: 77.0
Percentage of listed homes with price cuts: 13.69%

The view from Buffalo Mountain over the autumn landscape around Johnson City, Tennessee, a city of about 65,000 people.

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Joel Carillet / iStock.com

16. Johnson City, Tennessee

2017 median home list price: $189,894
2018 median home list price: $209,000
2019 median home list price: $194,700
2017-18 year-over-year home price change: 10.06%
2018-19 year-over-year home price change: -6.84%
Average number of days on market: 70.0
Percentage of listed homes with price cuts: 15.53%

WOODSTOCK, GEORGIA - July 22, 2017: Rock City is a tourist attraction in NE Ga.

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15. Woodstock, Georgia

2017 median home list price: $319,900
2018 median home list price: $355,450
2019 median home list price: $333,990
2017-18 year-over-year home price change: 11.11%
2018-19 year-over-year home price change: -6.04%
Average number of days on market: 63.0
Percentage of listed homes with price cuts: 17.92%

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14. Richmond, California

2017 median home list price: $449,000
2018 median home list price: $525,000
2019 median home list price: $519,000
2017-18 year-over-year home price change: 16.93%
2018-19 year-over-year home price change: -1.14%
Average number of days on market: 48.0
Percentage of listed homes with price cuts: 10.35%

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13. Glendale, California

2017 median home list price: $789,000
2018 median home list price: $895,000
2019 median home list price: $842,944
2017-18 year-over-year home price change: 13.43%
2018-19 year-over-year home price change: -5.82%
Average number of days on market: 66.0
Percentage of listed homes with price cuts: 11.41%

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12. Holland, Michigan

2017 median home list price: $233,900
2018 median home list price: $283,950
2019 median home list price: $288,900
2017-18 year-over-year home price change: 21.40%
2018-19 year-over-year home price change: 1.74%
Average number of days on market: 60.0
Percentage of listed homes with price cuts: 13.30%

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11. Hamilton, Ohio

2017 median home list price: $205,000
2018 median home list price: $224,900
2019 median home list price: $200,000
2017-18 year-over-year home price change: 9.71%
2018-19 year-over-year home price change: -11.07%
Average number of days on market: 71.0
Percentage of listed homes with price cuts: 14.12%

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10. Buffalo, New York

2017 median home list price: $82,500
2018 median home list price: $99,939
2019 median home list price: $99,939
2017-18 year-over-year home price change: 21.14%
2018-19 year-over-year home price change: 0%
Average number of days on market: 91.0
Percentage of listed homes with price cuts: 15.62%

Wichita Falls is a city in and the county seat of Wichita County, Texas, United States.

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9. Wichita Falls, Texas

2017 median home list price: $119,900
2018 median home list price: $142,950
2019 median home list price: $138,900
2017-18 year-over-year home price change: 19.22%
2018-19 year-over-year home price change: -2.83%
Average number of days on market: 64.0
Percentage of listed homes with price cuts: 15.58%

Cars come and go at sunrise before rush hour in Clevland Ohio on Lake Erie.

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8. Cleveland

2017 median home list price: $72,900
2018 median home list price: $85,000
2019 median home list price: $80,000
2017-18 year-over-year home price change: 16.60%
2018-19 year-over-year home price change: -5.88%
Average number of days on market: 86.0
Percentage of listed homes with price cuts: 13.72%

Odessa is a city in and the county seat of Ector County, Texas, United States.

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DenisTangneyJr / Getty Images/iStockphoto

7. Odessa, Texas

2017 median home list price: $196,450
2018 median home list price: $245,000
2019 median home list price: $250,000
2017-18 year-over-year home price change: 24.71%
2018-19 year-over-year home price change: 2.04%
Average number of days on market: 62.0
Percentage of listed homes with price cuts: 19.25%

Single-family home outside Louisville, KY.

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6. Louisville, Kentucky

2017 median home list price: $175,000
2018 median home list price: $207,990
2019 median home list price: $199,950
2017-18 year-over-year home price change: 18.85%
2018-19 year-over-year home price change: -3.87%
Average number of days on market: 64.0
Percentage of listed homes with price cuts: 18.67%

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Apc106 / Wikimedia Commons

5. Lakewood Township, New Jersey

2017 median home list price: $259,999
2018 median home list price: $299,000
2019 median home list price: $275,000
2017-18 year-over-year home price change: 15.00%
2018-19 year-over-year home price change: -8.03%
Average number of days on market: 175.0
Percentage of listed homes with price cuts: 13.51%

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4. San Mateo, California

2017 median home list price: $1,199,975
2018 median home list price: $1,396,500
2019 median home list price: $1,298,000
2017-18 year-over-year home price change: 16.38%
2018-19 year-over-year home price change: -7.05%
Average number of days on market: 42.0
Percentage of listed homes with price cuts: 10.78%

Evansville is a city in and the county seat of Vanderburgh County, Indiana, United States.

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DenisTangneyJr / Getty Images/iStockphoto

3. Evansville, Indiana

2017 median home list price: $128,000
2018 median home list price: $149,900
2019 median home list price: $139,000
2017-18 year-over-year home price change: 17.11%
2018-19 year-over-year home price change: -7.27%
Average number of days on market: 68.0
Percentage of listed homes with price cuts: 19.87%

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Yanjipy / Wikimedia Commons

2. Sunrise, Florida

2017 median home list price: $198,998
2018 median home list price: $235,000
2019 median home list price: $216,783
2017-18 year-over-year home price change: 18.09%
2018-19 year-over-year home price change: -7.75%
Average number of days on market: 78.0
Percentage of listed homes with price cuts: 12.82%

Pueblo, United States - August 18, 2013: The Riverwalk has revitalized the downtown area of Pueblo, Colorado by creating retail shops and restaurants in a section of town that was once uninhabitable.

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1. Pueblo, Colorado

2017 median home list price: $183,250
2018 median home list price: $224,900
2019 median home list price: $210,000
2017-18 year-over-year home price change: 22.73%
2018-19 year-over-year home price change: -6.63%
Average number of days on market: 63.0
Percentage of listed homes with price cuts: 17.98%

More From GOBankingRates

Methodology: GOBankingRates analyzed the 500 largest housing markets in the U.S. according to Zillow. To find formerly hot housing markets, GOBankingRates looked at the change in median list prices from November 2017 to November 2018 and found the markets that saw higher year-over-year growth in 2017-18 compared to the national average. The resulting 136 markets were further narrowed down based on the change in their median list prices between November 2018 and November 2019; GOBankingRates found the markets that witnessed below-average year-over-year growth in 2018-19 compared to the national average. These qualifying markets were then ranked in terms of the difference between the year-over-year home price growth in 2017-18 and 2018-19. The 50 housing markets with the biggest drop in year-over-year growth were included in the final list. For supplemental data, GOBankingRates added foreclosure rates based on November 2019 data from RealtyTrac, as well as the percentage of homes with negative equity, average number of days on the market since October 2019 and percentage of listed homes with price cuts, sourced from Zillow. All median list price data was sourced from Zillow’s November 2019 data. All data used to conduct this study was compiled and verified on Jan. 3, 2020, and is subject to change.

About the Author

Cameron Huddleston

Cameron Huddleston is an award-winning journalist with more than 18 years of experience writing about personal finance. Her work has appeared in Kiplinger’s Personal Finance, Business Insider, Chicago Tribune, Fortune, MSN, USA Today and many more print and online publications. She also is the author of Mom and Dad, We Need to Talk: How to Have Essential Conversations With Your Parents About Their Finances.

U.S. News & World Report named her one of the top personal finance experts to follow on Twitter, and AOL Daily Finance named her one of the top 20 personal finance influencers to follow on Twitter. She has appeared on CNBC, CNN, MSNBC and “Fox & Friends” and has been a guest on ABC News Radio, Wall Street Journal Radio, NPR, WTOP in Washington, D.C., KGO in San Francisco and other personal finance radio shows nationwide. She also has been interviewed and quoted as an expert in The New York Times, Chicago Tribune, Forbes, MarketWatch and more.

She has an MA in economic journalism from American University and BA in journalism and Russian studies from Washington & Lee University.