Several Florida cities, including Crestview, Deltona and Ocala, are a boon for buyers, coming in among the top 50 U.S. cities that had the most homes sell under the asking in 2023.
MIAMI – It's a tough time to be in the market for a new house.
The average 30-year fixed rate mortgage rose above 7% at the start of November 2022, the highest level in more than a decade, as the Federal Reserve raised its benchmark rates to combat inflation. Rates have dipped slightly since but remain at historic highs. Even a half of a percentage point change can significantly affect the monthly payments required for a mortgage.
Since mortgage rates were under 4% for the better part of the past decade, many homebuyers locked in far more affordable rates than what's on offer in today's environment. And sellers aren't exactly coming down on price—nationally, home prices are still increasing, just more slowly than they did during the height of the pandemic.
The median sale price in November 2023 was $408,732, according to Redfin, 3.7% higher than the year before. And yet, there are still metro areas where homebuyers find homes selling below the asking price, especially in markets that recorded large price growth over the last few years.
Stacker analyzed data from Redfin to see which metros had the most homes sell under the asking price. Metros include the main city as well as its surrounding towns and suburbs. Metros with fewer than 300 home sales in November 2023 are excluded from this list. The ranking considers the average sale-to-list ratio, which is the difference between what a home listed for and how much a buyer actually paid. Also listed are the metro area's median listing prices for homes on the market in November and median sale prices for homes that sold during that month.
50. Fayetteville, Arkansas
Average price difference: -1.93% under asking
Median list price: $380,000
Median sale price: $348,000
Total homes sold: 705
Share that sold above list: 14.8%
49. Fort Worth, Texas
Average price difference: -1.94% under asking
Median list price: $358,279
Median sale price: $350,000
Total homes sold: 1,832
Share that sold above list: 20.6%
48. Louisville, Kentucky
Average price difference: -1.97% under asking
Median list price: $263,900
Median sale price: $260,000
Total homes sold: 1,194
Share that sold above list: 22.4%
47. Spartanburg, South Carolina
Average price difference: -2.00% under asking
Median list price: $301,344
Median sale price: $280,000
Total homes sold: 391
Share that sold above list: 12.8%
46. Augusta, Georgia
Average price difference: -2.01% under asking
Median list price: $295,000
Median sale price: $260,000
Total homes sold: 599
Share that sold above list: 19.0%
45. Killeen, Texas
Average price difference: -2.15% under asking
Median list price: $289,650
Median sale price: $262,750
Total homes sold: 400
Share that sold above list: 16.2%
44. Honolulu, Hawaii
Average price difference: -2.19% under asking
Median list price: $759,000
Median sale price: $684,500
Total homes sold: 492
Share that sold above list: 22.8%
43. Tulsa, Oklahoma
Average price difference: -2.21% under asking
Median list price: $268,250
Median sale price: $250,000
Total homes sold: 890
Share that sold above list: 27.1%
42. Dallas, Texas
Average price difference: -2.25% under asking
Median list price: $425,000
Median sale price: $413,500
Total homes sold: 3,960
Share that sold above list: 16.2%
41. Indianapolis, Indiana
Average price difference: -2.28% under asking
Median list price: $279,900
Median sale price: $289,350
Total homes sold: 2,250
Share that sold above list: 16.9%
40. Little Rock, Arkansas
Average price difference: -2.29% under asking
Median list price: $255,000
Median sale price: $215,912
Total homes sold: 619
Share that sold above list: 19.2%
39. Flint, Michigan
Average price difference: -2.30% under asking
Median list price: $179,900
Median sale price: $180,000
Total homes sold: 423
Share that sold above list: 26.0%
38. Myrtle Beach, South Carolina
Average price difference: -2.31% under asking
Median list price: $350,770
Median sale price: $325,885
Total homes sold: 1,502
Share that sold above list: 8.4%
37. Baton Rouge, Louisiana
Average price difference: -2.34% under asking
Median list price: $264,900
Median sale price: $260,000
Total homes sold: 600
Share that sold above list: 11.0%
36. Orlando, Florida
Average price difference: -2.35% under asking
Median list price: $405,000
Median sale price: $399,990
Total homes sold: 2,810
Share that sold above list: 13.3%
35. Gary, Indiana
Average price difference: -2.38% under asking
Median list price: $274,935
Median sale price: $264,950
Total homes sold: 606
Share that sold above list: 19.3%
34. Daphne, Alabama
Average price difference: -2.39% under asking
Median list price: $399,441
Median sale price: $368,500
Total homes sold: 388
Share that sold above list: 9.5%
33. Pensacola, Florida
Average price difference: -2.40% under asking
Median list price: $339,000
Median sale price: $324,450
Total homes sold: 560
Share that sold above list: 15.2%
32. Detroit, Michigan
Average price difference: -2.40% under asking
Median list price: $154,900
Median sale price: $171,750
Total homes sold: 1,520
Share that sold above list: 37.1%
31. Reno, Nevada
Average price difference: -2.41% under asking
Median list price: $529,900
Median sale price: $535,000
Total homes sold: 408
Share that sold above list: 15.4%
30. Tampa, Florida
Average price difference: -2.45% under asking
Median list price: $395,000
Median sale price: $377,990
Total homes sold: 4,019
Share that sold above list: 12.8%
29. North Port, Florida
Average price difference: -2.52% under asking
Median list price: $518,736
Median sale price: $469,472
Total homes sold: 1,643
Share that sold above list: 11.9%
28. Houston, Texas
Average price difference: -2.52% under asking
Median list price: $339,900
Median sale price: $326,990
Total homes sold: 6,164
Share that sold above list: 14.1%
27. Lafayette, Louisiana
Average price difference: -2.66% under asking
Median list price: $242,000
Median sale price: $220,000
Total homes sold: 310
Share that sold above list: 13.5%
26. Jacksonville, Florida
Average price difference: -2.75% under asking
Median list price: $369,000
Median sale price: $375,000
Total homes sold: 1,819
Share that sold above list: 12.7%
25. Peoria, Illinois
Average price difference: -2.75% under asking
Median list price: $139,900
Median sale price: $146,900
Total homes sold: 401
Share that sold above list: 27.2%
24. Palm Bay, Florida
Average price difference: -2.76% under asking
Median list price: $373,900
Median sale price: $354,900
Total homes sold: 892
Share that sold above list: 9.4%
23. Hilton Head Island, South Carolina
Average price difference: -2.76% under asking
Median list price: $525,084
Median sale price: $530,000
Total homes sold: 400
Share that sold above list: 11.0%
22. Ocala, Florida
Average price difference: -2.78% under asking
Median list price: $281,944
Median sale price: $275,000
Total homes sold: 710
Share that sold above list: 13.5%
21. Montgomery, Alabama
Average price difference: -2.85% under asking
Median list price: $234,500
Median sale price: $234,725
Total homes sold: 330
Share that sold above list: 13.0%
20. Pittsburgh, Pennsylvania
Average price difference: -2.87% under asking
Median list price: $218,000
Median sale price: $210,000
Total homes sold: 1,755
Share that sold above list: 28.3%
19. Memphis, Tennessee
Average price difference: -2.92% under asking
Median list price: $278,000
Median sale price: $269,000
Total homes sold: 998
Share that sold above list: 17.0%
18. Austin, Texas
Average price difference: -2.95% under asking
Median list price: $489,990
Median sale price: $425,000
Total homes sold: 2,003
Share that sold above list: 12.0%
17. Deltona, Florida
Average price difference: -2.97% under asking
Median list price: $369,900
Median sale price: $351,995
Total homes sold: 984
Share that sold above list: 10.6%
16. Philadelphia, Pennsylvania
Average price difference: -3.15% under asking
Median list price: $260,000
Median sale price: $237,750
Total homes sold: 1,657
Share that sold above list: 26.5%
15. Crestview, Florida
Average price difference: -3.16% under asking
Median list price: $482,200
Median sale price: $409,900
Total homes sold: 519
Share that sold above list: 11.4%
14. Fort Lauderdale, Florida
Average price difference: -3.31% under yonkers real estate asking
Median list price: $435,000
Median sale price: $426,000
Total homes sold: 1,946
Share that sold above list: 15.1%
13. Port St. Lucie, Florida
Average price difference: -3.34% under asking
Median list price: $429,900
Median sale price: $406,900
Total homes sold: 687
Share that sold above list: 10.6%
12. Cape Coral, Florida
Average price difference: -3.45% under asking
Median list price: $449,000
Median sale price: $395,000
Total homes sold: 1,318
Share that sold above list: 10.1%
11. Gulfport, Mississippi
Average price difference: -3.48% under asking
Median list price: $270,062
Median sale price: $249,650
Total homes sold: 380
Share that sold above list: 12.9%
10. Miami, Florida
Average price difference: -3.57% under asking
Median list price: $580,000
Median sale price: $515,000
Total homes sold: 1,772
Share that sold above list: 14.8%
9. Punta Gorda, Florida
Average price difference: -3.57% under asking
Median list price: $389,999
Median sale price: $353,248
Total homes sold: 488
Share that sold above list: 8.0%
8. Panama City, Florida
Average price difference: -3.83% under asking
Median list price: $399,900
Median sale price: $360,000
Total homes sold: 315
Share that sold above list: 8.9%
7. San Antonio, Texas
Average price difference: -3.92% under asking
Median list price: $319,999
Median sale price: $295,000
Total homes sold: 2,156
Share that sold above list: 13.4%
6. Springfield, Missouri
Average price difference: -3.98% under asking
Median list price: $249,900
Median sale price: $264,400
Total homes sold: 465
Share that sold above list: 0.6%
5. Naples, Florida
Average price difference: -4.02% under asking
Median list price: $829,900
Median sale price: $601,000
Total homes sold: 595
Share that sold above list: 6.6%
4. West Palm Beach, Florida
Average price difference: -4.11% under asking
Median list price: $516,000
Median sale price: $460,000
Total homes sold: 1,764
Share that sold above list: 8.9%
3. New Orleans, Louisiana
Average price difference: -4.24% under asking
Median list price: $291,900
Median sale price: $268,000
Total homes sold: 776
Share that sold above list: 11.7%
2. Youngstown, Ohio
Average price difference: -4.36% under asking
Median list price: $149,900
Median sale price: $150,000
Total homes sold: 437
Share that sold above list: 25.4%
1. Jackson, Mississippi
Average price difference: -4.55% under asking
Median list price: $229,450
Median sale price: $210,000
Total homes sold: 431
Share that sold above list: 16.2%
Jewelry History, Brands, & Exhibitions
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The Cullinan Diamond: From Tough Stone to Royal Jewels and their Approximated Benefit
Unearthing a Marvel: The Cullinan Diamond
The intriguing story of the Cullinan Diamond, the biggest gem-high quality rough diamond ever learned, unfolds like an interesting novel stuffed with geology, historical past, and amazing craftsmanship. This epic tale has resulted in many of the most awe-inspiring and priceless jewels while in the British Crown Jewels.
A Gem of Epic Proportions
The Tough Cullinan Diamond
In 1905, an unbelievable come across transpired within the Leading No.two mine in Cullinan, South Africa. This was the discovery in the Cullinan Diamond, weighing a whopping three,106 carats. Named following the mine's operator, Sir Thomas Cullinan, the sheer measurement and quality of the rough diamond stirred the gemological environment.
A Kingly Gift
The Transvaal Colony authorities procured the diamond, which was then gifted to King Edward VII of the United Kingdom on his 66th birthday. Regardless of the threats linked to the journey, Jewelry History the diamond was despatched to England through common publish, cleverly diverting possible intruders by using a decoy.
Masterfully Sculpting the Cullinan
The accountability of reworking this enormous diamond into polished gems fell on Joseph Asscher from the renowned Asscher Diamond Organization. Following months of examination, Asscher productively break up the Cullinan into nine major stones and numerous scaled-down fragments.
The Star of Africa: Cullinan I
The good Star of Africa Diamond
The largest from the polished diamonds, the "Fantastic Star of Africa" or Cullinan I, weighs a powerful 530.2 carats. Currently mounted at the best from the Sovereign's Sceptre, It is One of the more precious diamonds on the globe. Its value, if sold these days, could quickly exceed $400 million.
The next Star of Splendor: Cullinan II
The Cullinan II, often known as the "Second Star of Africa," is definitely the fourth-most significant polished diamond globally, weighing 317.4 carats. It adorns the Imperial Point out Crown and, like Cullinan I, could fetch a number of hundred million dollars because of its size, high quality, and historical importance.
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How to Choose a Symbol Style and design that is Perfect for You
Your symbol would be the signature of your manufacturer, and amongst your organization's most precious belongings. It is actually The only component that can symbolize your model greater than anything. A nicely-intended brand is one that reflects your company and communicates your concept. It should be basic, special, unforgettable, adaptable, and capable to work devoid of colour.
In an effort to pick a emblem, there are important techniques to experience, equally by you and using a graphic designer. During this article, I outline The brand design and style approach and a few significant recommendations to keep in mind When selecting a brand that is certainly perfect for you.
For that generation of your logo, you are free to select either a freelance designer, a style and design organization, or perhaps an advertising agency. Throughout this publish, for the purpose of advantage and readability, I will utilize the term "designer" to incorporate whichever form of company or particular person is relevant towards your situation.
Opt for a spending budget
To start with off, it is best to make a decision on your spending plan for your personal new symbol. They will Value anywhere from $300-1500 (USD), and from time to time far more. Just take into account that you obtain That which you buy, plus a designer's expenses will replicate encounter, client heritage, and professionalism. Purchasing a brand (and a corporate identification to go along with it) is one of The key initially techniques you can take when developing a brand. A emblem is worthy of A great deal greater than the hrs it will require to generate it.
You'll find logo banking institutions and contest web sites online and get a person for around $a hundred and fifty. There are actually even diverse freelancer web-sites in which persons bid insanely low charges-like $50. Just bear in mind that picking a emblem for an inexpensive rate on line is usually disastrous. Inexperienced designers may get for good, not communicate perfectly, use clip artwork illustrations or photos (a definite no-no), and could not supply you with the right data files you'll need for the two print and Internet use.
Identify designers
There are so many places you will discover graphic designers. Picking out the ideal designer for you personally is unquestionably quite a bit harder (and we are going to reach that inside a moment). You could Find plenty of candidates by utilizing diverse techniques.
Inquire close to. If you already know someone with a fantastic symbol, simply just ask them who did it. The vast majority of my freelance layout work originates from referrals.
Search graphic structure agency directories like the one particular on GraphicDesign.com.
Browse style and design galleries and portfolio communities much like the Behance Community.
Try to find "symbol design" and "emblem development" on social networking sites like Twitter, Google In addition, and Facebook.
Decide on a suitable designer
Immediately after making contact with many designers and requesting offers, ensure you take a look at extra than just the price when deciding who receives The work. Think about the designer's prior logos and the corporate identities they've got developed about those logos. Glimpse once and for all style presentations because it demonstrates how much they care about their very own Expert look. Read the descriptions that go together with each in their symbol tasks mainly because a symbol may perhaps search good and all, but it really has to satisfy the specific style and design requirements to generally be successful.
A lot more importantly, opt for a emblem designer whose kind of style and design matches your own private most popular type. By carrying out this, you'll be pleased with The brand you end up having, as well as the designer will likely be content for the reason that that style is the things they're most at ease with.
You may decide the professionalism of the graphic designer by the following details. These Never all have to apply, but be looking out for a minimum of a few of these.
They can be polite, direct, experienced, and successful communicators.
They reveal their design and style method for you and tell you what is going to be delivered on completion.
They may talk to you suitable thoughts to be familiar with your business.
They've got some kind of deal or service settlement to indicator before beginning.
They require a specified up-front payment before starting.
Their grammar, spelling, and punctuation are no less than satisfactory. (As with any marketplace, undesirable creating states a lot about someone).
One particular essential Observe in this article: Should the designer provides you which has a agreement or agreement, Make certain that the possession of The emblem is transferred to you personally on ultimate payment. If there is nothing in creating that mentions possession, then check with your designer to give you this arrangement in writing. It is very important that you individual your brand style and design so that you could legally use it nevertheless you prefer Later on.
Brief the designer intimately
Regardless of whether you quick your designer encounter-to-face or deliver more than a short in e-mail kind, it is essential to clarify what you need intimately. Reply these inquiries very first:
When you presently Use a emblem, why Never you want it?
Exactly what does your small business do?
That is your focus on market?
Who are your most important competition?
How are you currently various from the rivals?
What attributes Are you interested in your company to task?
What feelings Do you need your new brand to incite?
Do you do have a tag line that needs to be A part of the design?
Will your brand show up in video clips? In that case, will it ultimately have to have an animated Edition?
Which particular logos are your favourites, and why?
Have you been keen on typographic logos (FedEx or ESPN), symbolic logos (Nike or Apple), or a combination of both (Pepsi or Adidas)?
Allow the designer know precisely where you system on utilizing the emblem. Guaranteed, you will have business enterprise cards and a website, but will Furthermore, it be witnessed on billboards along with your social media profiles?
Inquire Should the designer will supply a emblem utilization tips document, which advises how the logo can and cannot be made use of. For example, which logo variation can be utilized on which colour history? Eventually, ask for a favicon. This is actually the very little graphic that appears in browser tabs, as part of your bookmarks manager, and Logo laten maken on your own Personal computer if you help save a webpage. They sometimes can be found in among 3 measurements: 16×16, 32×32, or 64×64 pixels. Request a 64×sixty four pixel favicon, so that is definitely looks crisp all over the place it seems.
Equipped with All of this knowledge, your designer ought to manage to supply an accurate Visible illustration of your organization. Solidifying your vision in advance of briefing a designer will definitely conserve you time, money, and headaches eventually.
Once i entered into The brand design marketplace, I encountered a number of purchasers who anticipated me to learn most of these items and produce an ideal Alternative to an issue which was not expressed Evidently. It inevitably resulted in non-halt revisions in their brand and weary faces all around. That's why I decided to get started sending out an index of preliminary emblem design and style issues prior to even contemplating a occupation. If you don't know what you need at first, Then you certainly may perhaps hold changing your intellect since the task moves ahead. It really is unquestionably okay to alter your intellect, but be aware the designer will most likely request you for more money before continuing.
Pick a logo notion
The designer will then do the necessary research and experiments, then return to you with a few principle models. This may consider around two to four days, dependant upon the unique position. Ideally, they are going to current you with three to six hand-drawn sketches. After you initially see the principles, go with a brand that quickly catches your eye. This is frequently the just one that the gut is telling you to select. Keep on the decision process by inquiring your self some important thoughts:
Will it depict my solution or company?
Will it Express my information?
Is the design uncomplicated sufficient?
Does the look have sufficient contrast to jump out?
Will it get the job done with out colour?
Will it operate when It can be Tremendous small?
Will it search much too very like any other logos?
Will it's appropriate 5 years or ten many years in the future?
Following that, snooze on it. Do the very same thing and talk to your self precisely the same concerns to get a next time. Do your solutions transform? It's also a good idea to check with relatives and buddies the things they Consider.
Give handy feedback
After the first draft, your designer may possibly truly current a logo that is near what You are looking for, but it surely's rarely they're going to hit the nail on the head straight away. Hence, It is really up to you to speak your preferences as greatest you'll be able to. Provide your designer with suggestions that is useful. Simply just declaring, "I do not like any of them" won't definitely enable the process. Convey why you don't like something, or what you want to to find out in another way, such as, "I don't like how rigid and symmetrical this just one is. Can you give it much more movement or ensure it is far more energetic?"
Offering obvious path is necessary, but test not to be the designer by yourself. You might have hired a designer to get a purpose, so let them do what they do finest. When you've got chosen a great designer that communicates effectively and matches your chosen model, You'll be able to be self-assured they'll current you with quality function.
Settle for deliverables
Upon launch of ultimate payment on the designer, you'll want to obtain the deliverables promised to you personally at first with the company romantic relationship. This could consist of vector files which can be resizaeble, rather than raster photographs that can not be elevated in measurement with out becoming pixelated (blurry).
You'll need information that you can start employing on the net immediately (typically PNG, JPG, or GIF). Ask for a PNG of GIF If you'd like the track record being clear (no white box all over your logo). You furthermore may ought to get the first source files (normally AI or EPS). You absolutely want to contain the resource data files in the event somebody else wants to switch or develop on your own emblem someday. By way of example, if sooner or later you seek the services of anyone to create a online video for you, then a source file is necessary to include your symbol-a JPG basically would not Slice it.
When it's time to pick a brand that is definitely ideal for you, understand that it's actually not an easy course of action. It will require a lot of considered your form of organization, your target audience, the message you need to mail, the inner thoughts you need to incite, and also open interaction together with your designer.
However, It really is absolutely value the effort to attempt for a powerful logo design and style, as it is the first thing your viewers sees, and it'll be with you for years to return.
Guide Marketplace Product or service Identifiers: ASIN, EAN, GTIN, and ISBN: A Guide for Self-Publishers
Introduction
Here's a quick primer on the various reserve identification figures and barcodes that self-publishers really need to know about. Each one is made use of all over the entire world as a way to recognize a certain guide.
Precisely what is an ASIN?
ASIN can be an abbreviation for Amazon Common Identification Quantities. The ASIN is a novel blocks of 10 letters and quantities that identify a particular merchandise. For books and pamphlets, the ASIN is similar to the ISBN-ten amount. A publisher isn't going to have to be concerned with the ASIN.
Precisely what is an EAN (Bookland EAN)?
EAN is really an abbreviation for European Report Variety, now identified as Global Article Number. The EAN is a barcode along with a 13-digit product identification range. Each and every EAN uniquely identifies the guide, the company, along with the book's characteristics. Usually, the EAN is printed over the e book's again protect as being a bar code and range. Bookland can be a fictitious region designed to be able to reserve a novel nation code prefix for EAN identifiers of published books - at this time the code is 978. The cost barcode is undoubtedly an EAN-five. It's placed next to the EAN-13 about the again-include of a book.
Exactly what is a GTIN?
GTIN can be an abbreviation for World-wide Trade Product Selection. The GTIN is a novel and universal identification amount utilized to come across merchandise information throughout databases. GTINs include things like EANs, ISBNs, UPCs, and JANs (Japanese Write-up Quantities). The US-ISBN Company demands publishers find a way to speak ISBNs as GTIN-13s. At present, a publisher gtin does not must be worried about the GTIN.
What's an ISBN?
ISBN is an abbreviation for International Standard Ebook Range. The ISBN is a singular e-book identification variety. Each individual ISBN identifies a specific reserve. ISBN have possibly 10 or 13 digits. When you buy an ISBN, It will probably be presented for you in ten-digit structure and thirteen-digit structure. Commonly, both equally ISBNs are printed to the back again include with the ebook. R.R. Bowker, LLC, may be the Formal US-ISBN agency. Every Edition, version, and binding of the ebook (e-book, paperback, hardcover, 1st version, second, and so forth.) will need to have its very own ISBN.
Summary
As a self-publisher, it's essential to involve the ISBN-ten and ISBN-13 on the copyright web page. Additionally, you need to position the Bookland EAN barcode and number in conjunction with equally ISBNs over the back again address. The ISBN-thirteen is the sole identification selection you should order. The Bookland EAN-13 and EAN-five barcodes is usually made as a single image, online, totally free.