| 2021 marked the hottest housing market | 5.401 | Jump to 5.879 |  |  | 
              
                
                  | zillow's home value index 2022 isn't | 5.839 | Jump to 11.28 |  |  | 
              
                
                  | 2022. | 3.76 | Jump to 44.0 |  |  | 
              
                
                  | extraordinarily hot market in 2021 we | 5.84 | Jump to 49.12 |  |  | 
              
                
                  | had price growth on our index over 19 | 4.4 | Jump to 51.92 |  |  | 
              
                
                  | one reason we don't think prices are set | 4.24 | Jump to 73.28 |  |  | 
              
                
                  | are feeling we're still about 38 below | 5.68 | Jump to 85.6 |  |  | 
              
                
                  | year that's comparing back to 2019 we | 5.04 | Jump to 91.28 |  |  | 
              
                
                  | maybe in the second half of the year | 4.721 | Jump to 125.119 | 
                      
                        
                      
                        DATE
                      
                      
                        the second half of the year
                      
                     |  | 
              
                
                  | you know one of the biggest drivers has | 2.24 | Jump to 129.84 |  |  | 
              
                
                  | longer in 2021 than i think anyone | 4.161 | Jump to 153.599 |  |  | 
              
                
                  | three and an eighth but absolutely if | 4.24 | Jump to 157.76 |  |  | 
              
                
                  | they start to climb to three and a half | 4.64 | Jump to 159.84 |  |  | 
              
                
                  | three point six percent maybe by second | 5.44 | Jump to 162.0 | 
                      
                        
                      
                        PERCENT
                      
                      
                        three point six percent
                      
                     |  | 
              
                
                  | half of 2022 that's going to price out a | 4.96 | Jump to 164.48 |  |  | 
              
                
                  | 2021 some kind of surprising places like | 5.36 | Jump to 184.56 |  |  | 
              
                
                  | boise where prices rose over 40 percent | 3.84 | Jump to 187.44 |  |  | 
              
                
                  | rates rise to three and a half a bunch | 3.599 | Jump to 194.56 |  |  | 
              
                
                  | 40 dti out there | 3.92 | Jump to 212.239 |  |  | 
              
                
                  | you see accelerating one that i find | 3.841 | Jump to 216.159 |  |  | 
              
                
                  | buyers who are buying quote second homes | 4.48 | Jump to 220.0 |  |  | 
              
                
                  | but they don't own a first one but | 4.08 | Jump to 222.879 |  |  | 
              
                
                  | trend that i think is one of the | 4.0 | Jump to 236.08 |  |  | 
              
                
                  | folks thinking about buying that first | 4.32 | Jump to 241.68 |  |  | 
              
                
                  | thing to buy their first home instead | 3.92 | Jump to 250.56 |  |  | 
              
                
                  | kind of second homes we're seeing | 4.56 | Jump to 269.6 |  |  | 
              
                
                  | first before they actually own a home in | 2.96 | Jump to 274.16 |  |  | 
              
                
                  | a broad second home buying boom but for | 4.641 | Jump to 284.639 |  |  | 
              
                
                  | their first home and they'll sort of | 3.52 | Jump to 289.28 |  |  | 
              
                
                  | first home this year they went out they | 4.319 | Jump to 330.72 |  |  | 
              
                
                  | going off to become a first-time buyer | 3.04 | Jump to 344.96 |  |  |