1. Economic and Market Watch Report
3rd Quarter, 2010
*Click on a County to view economic and real estate information at the county and zip code level
© 2010 North Texas Real Estate Information Systems, Inc. and
NATIONAL ASSOCIATION OF REALTORS®
Reproduction, reprinting, or retransmission in any form is prohibited without written
permission.

2. North Texas Real Estate Information Systems, Inc.
Economic and Market Watch Report
North Texas Real Estate Information Systems, Inc. (NTREIS) is a real estate information and technology solution
provider serving the real estate community in a coverage area exceeding 16,000 square miles in North Texas,
including the Dallas Fort Worth Metropolitan Area.
NTREIS provides information management services to over 16,000 MLS subscribers of its 18 shareholder
REALTOR Associations, including over 3,000 real estate offices.
In addition to its information management platform; NTREIS researches, develops and delivers various technology
products and services through strategic alliances, utilizing a sales and distribution network which includes its
shareholder REALTOR Associations.
Index
Local Report
Texas
Anderson County ......................................................................................................... 1
Bosque County ............................................................................................................. 2
Callahan County .......................................................................................................... 3
Cherokee County ......................................................................................................... 4
Coleman County .......................................................................................................... 5
Collin County ............................................................................................................... 6
Comanche County ....................................................................................................... 8
Cooke County ............................................................................................................... 9
Dallas County ............................................................................................................... 10
Delta County ................................................................................................................ 13
Denton County ............................................................................................................. 14
Eastland County .......................................................................................................... 16
Ellis County .................................................................................................................. 17
Erath County ............................................................................................................... 19
Fannin County ............................................................................................................. 20
Fisher County ............................................................................................................... 22
Franklin County .......................................................................................................... 23
Freestone County ......................................................................................................... 24
Grayson County ........................................................................................................... 25
Hamilton County ......................................................................................................... 27
Haskell County ............................................................................................................. 28
Henderson County ....................................................................................................... 29
Hill County ................................................................................................................... 31
Hood County ................................................................................................................ 32
Hopkins County ........................................................................................................... 33
Hunt County ................................................................................................................. 34
Jack County ................................................................................................................. 36

3. Johnson County ........................................................................................................... 37
Jones County ................................................................................................................ 39
Kaufman County ......................................................................................................... 40
Lamar County .............................................................................................................. 42
Limestone County ........................................................................................................ 43
Montague County ........................................................................................................ 44
Navarro County ........................................................................................................... 45
Nolan County ............................................................................................................... 47
Palo Pinto County ........................................................................................................ 48
Parker County ............................................................................................................. 49
Rains County ................................................................................................................ 50
Rockwall County ......................................................................................................... 51
Shackelford County ..................................................................................................... 52
Smith County ............................................................................................................... 53
Somervell County ........................................................................................................ 55
Stephens County .......................................................................................................... 56
Tarrant County ............................................................................................................ 57
Taylor County .............................................................................................................. 60
Upshur County ............................................................................................................. 62
Van Zandt County ....................................................................................................... 63
Wise County ................................................................................................................. 64
Wood County ............................................................................................................... 66
Young County .............................................................................................................. 67
Others ........................................................................................................................... 68
Trends ............................................................................................................................................... 69
Chief Economist's Commentary* ................................................................................................... 70
Economic Monitor* ......................................................................................................................... 72
*Reprinted from Real Estate Outlook: Market Trends and Insights. ©2010 NATIONAL ASSOCIATION OF REALTORS ®.
Used with permission. Reproduction, reprinting, or retransmission of this article in any form (electronic media included) is
prohibited without permission. For subscription information please call 1-800-874-6500.

4. Local Report
Anderson County, TX
Buyer's Seller's
1 2 3 4 5
Market Market
Labor Market :
Employment declined by 3 jobs in August and September. The job losses brought about an increase in
the average monthly unemployment rate from 9.5% in the second quarter to 9.8% for the initial two
months of the third quarter. Layoffs continued to rise, which will weigh buyer confidence and demand in
Anderson County. However, mortgage rates have once again hit record lows, creating a favorable
buying environment for those with a job.
Housing Market :
Q2' 10 Q3' 10 Q4' 10
(Forecast)
Average Price $81,000 $757,100
# Homes on the Market * 15 19
# Homes Sold ** 2 1
***
# New Homes Built *** NA NA
Avg # of Days on Market 45 191
* Available as of Sep. 30, 2010.
** May not add to total of zip codes.
*** During the first two months of 3rd quarter.
Data by Zip Codes for Q3 2010
Total # % Change in # % of Asking Price
Price Change Average Days
Zip Code Average Price Homes Sold Homes Sold (Sold/
*** on Market
(Quarter) *** List Price)
OTHER $757,100 N/A 1 N/A 191 96.4%
*** % Change of current quarter compared to the same quarter to year ago.
1

5. Local Report
Bosque County, TX
Buyer's Seller's
1 2 3 4 5
Market Market
Labor Market :
In the first two months of the third quarter, 17 jobs were added to the payrolls of Bosque County. As a
result of these new jobs, the average monthly unemployment rate fell from 8.6% during the second
quarter to 8.6% for August and September. This steady job creation will help buyer confidence and fuel
home purchases down the road. Favorable mortgage rates should support this trend.
Housing Market :
Q2' 10 Q3' 10 Q4' 10
(Forecast)
Average Price $116,200 $139,400
# Homes on the Market * 152 138
# Homes Sold ** 16 16
***
# New Homes Built *** NA NA
Avg # of Days on Market 150 121
* Available as of Sep. 30, 2010.
** May not add to total of zip codes.
*** During the first two months of 3rd quarter.
Data by Zip Codes for Q3 2010
Total # % Change in # % of Asking Price
Price Change Average Days
Zip Code Average Price Homes Sold Homes Sold (Sold/
*** on Market
(Quarter) *** List Price)
76634 $114,600 -27.47% 7 0.00% 112 95.2%
76652 $155,500 N/A 1 N/A 80 97.8%
76665 $500,000 329.18% 1 -66.67% 44 95.2%
76671 $124,700 129.65% 6 -14.29% 140 93.5%
76690 $25,000 N/A 1 N/A 191 66.0%
*** % Change of current quarter compared to the same quarter to year ago.
2

6. Local Report
Callahan County, TX
Buyer's Seller's
1 2 3 4 5
Market Market
Labor Market :
In the first two months of the third quarter, 5 jobs were added to the payrolls of Callahan County. As a
result of these new jobs, the average monthly unemployment rate fell from 6.1% during the second
quarter to 6.1% for August and September. This steady job creation will help buyer confidence and fuel
home purchases down the road. Favorable mortgage rates should support this trend.
Housing Market :
Q2' 10 Q3' 10 Q4' 10
(Forecast)
Average Price $114,900 $101,400
# Homes on the Market * 86 73
# Homes Sold ** 23 30
***
# New Homes Built *** NA NA
Avg # of Days on Market 82 97
* Available as of Sep. 30, 2010.
** May not add to total of zip codes.
*** During the first two months of 3rd quarter.
Data by Zip Codes for Q3 2010
Total # % Change in # % of Asking Price
Price Change Average Days
Zip Code Average Price Homes Sold Homes Sold (Sold/
*** on Market
(Quarter) *** List Price)
76443 $45,000 -30.77% 1 0.00% 17 81.8%
79504 $88,400 -2.32% 5 150.00% 131 91.5%
79510 $102,900 2.90% 22 22.22% 97 95.6%
OTHER $145,800 -6.54% 2 100.00% 68 97.2%
*** % Change of current quarter compared to the same quarter to year ago.
3

7. Local Report
Cherokee County, TX
Buyer's Seller's
1 2 3 4 5
Market Market
Labor Market :
Employment declined by 232 jobs in August and September. The job losses brought about an increase
in the average monthly unemployment rate from 9.1% in the second quarter to 9.4% for the initial two
months of the third quarter. Layoffs continued to rise, which will weigh buyer confidence and demand in
Cherokee County. However, mortgage rates have once again hit record lows, creating a favorable
buying environment for those with a job.
Housing Market :
Q2' 10 Q3' 10 Q4' 10
(Forecast)
Average Price NA $240,000
# Homes on the Market * NA 8
# Homes Sold ** NA 1
***
# New Homes Built *** NA NA
Avg # of Days on Market NA 27
* Available as of Sep. 30, 2010.
** May not add to total of zip codes.
*** During the first two months of 3rd quarter.
Data by Zip Codes for Q3 2010
Total # % Change in # % of Asking Price
Price Change Average Days
Zip Code Average Price Homes Sold Homes Sold (Sold/
*** on Market
(Quarter) *** List Price)
75766 $240,000 N/A 1 N/A 27 92.7%
*** % Change of current quarter compared to the same quarter to year ago.
4

8. Local Report
Coleman County, TX
Buyer's Seller's
1 2 3 4 5
Market Market
Labor Market :
In the first two months of the third quarter, 17 jobs were added to the payrolls of Coleman County. As a
result of these new jobs, the average monthly unemployment rate fell from 7.2% during the second
quarter to 7.1% for August and September. This steady job creation will help buyer confidence and fuel
home purchases down the road. Favorable mortgage rates should support this trend.
Housing Market :
Q2' 10 Q3' 10 Q4' 10
(Forecast)
Average Price $35,000 $192,200
# Homes on the Market * 9 15
# Homes Sold ** 1 2
***
# New Homes Built *** NA NA
Avg # of Days on Market 10 145
* Available as of Sep. 30, 2010.
** May not add to total of zip codes.
*** During the first two months of 3rd quarter.
Data by Zip Codes for Q3 2010
Total # % Change in # % of Asking Price
Price Change Average Days
Zip Code Average Price Homes Sold Homes Sold (Sold/
*** on Market
(Quarter) *** List Price)
76834 $192,200 N/A 2 N/A 145 94.9%
*** % Change of current quarter compared to the same quarter to year ago.
5

9. Local Report
Collin County, TX
Buyer's Seller's
1 2 3 4 5
Market Market
Labor Market :
Employment increased by 979 jobs in Collin County during August and September. However, the
number of job seekers also increased. The combined effect of these two trends was an increase in the
average monthly unemployment rate from 7.7% for the second quarter to 7.8% in the first two months of
the third quarter. Solid job growth will help confidence, while record low mortgage rates boost
affordability.
Housing Market :
Q2' 10 Q3' 10 Q4' 10
(Forecast)
Average Price $237,700 $242,300
# Homes on the Market * 6,342 5,958
# Homes Sold ** 3,338 2,406
***
# New Homes Built *** 1,186 685
Avg # of Days on Market 64 70
* Available as of Sep. 30, 2010.
** May not add to total of zip codes.
*** During the first two months of 3rd quarter.
Data by Zip Codes for Q3 2010
Total # % Change in # % of Asking Price
Price Change Average Days
Zip Code Average Price Homes Sold Homes Sold (Sold/
*** on Market
(Quarter) *** List Price)
75002 $230,400 9.61% 182 -26.61% 61 97.1%
75009 $214,300 -5.34% 23 9.52% 78 96.7%
75013 $331,300 0.24% 130 -20.73% 82 95.1%
75023 $179,200 2.17% 110 -31.68% 57 97.0%
75024 $285,500 0.49% 80 -25.93% 66 95.8%
75025 $255,200 6.64% 133 -34.16% 57 97.5%
75034 $354,600 -11.15% 71 -26.04% 87 95.8%
75035 $231,300 4.47% 188 -40.88% 59 96.2%
*** % Change of current quarter compared to the same quarter to year ago.
6

10. Local Report
Collin County, TX
Data by Zip Codes for Q3 2010
Total # % Change in # % of Asking Price
Price Change Average Days
Zip Code Average Price Homes Sold Homes Sold (Sold/
*** on Market
(Quarter) *** List Price)
75069 $223,800 11.79% 72 -13.25% 87 95.1%
75070 $240,100 4.94% 353 -29.82% 67 96.8%
75071 $225,300 11.65% 164 -12.30% 83 96.0%
75074 $142,900 -7.33% 91 -25.41% 57 97.1%
75075 $182,400 2.07% 84 -18.45% 64 97.7%
75078 $382,300 1.62% 59 -14.49% 96 97.3%
75093 $403,800 4.13% 115 -22.82% 74 96.4%
75094 $290,000 7.73% 65 -28.57% 65 96.3%
75098 $172,500 9.59% 113 -33.14% 75 96.6%
75164 $78,200 N/A 6 N/A 141 88.8%
75166 $213,800 40.01% 8 -57.89% 105 95.4%
75173 $112,800 -24.85% 10 -33.33% 59 95.5%
75252 $257,500 2.88% 61 -15.28% 93 95.9%
75287 $292,900 0.86% 29 -47.27% 71 94.3%
75407 $100,800 -12.65% 41 -10.87% 66 96.4%
75409 $129,200 0.54% 40 -24.53% 91 98.5%
75424 $73,900 -39.38% 8 14.29% 85 92.1%
75442 $105,300 -18.62% 14 -12.50% 90 93.6%
75454 $177,700 -10.75% 36 50.00% 76 98.1%
OTHER $243,000 5.79% 120 -6.25% 61 96.7%
*** % Change of current quarter compared to the same quarter to year ago.
7

11. Local Report
Comanche County, TX
Buyer's Seller's
1 2 3 4 5
Market Market
Labor Market :
In the first two months of the third quarter, 19 jobs were added to the payrolls of Comanche County. As a
result of these new jobs, the average monthly unemployment rate fell from 6.8% during the second
quarter to 6.8% for August and September. This steady job creation will help buyer confidence and fuel
home purchases down the road. Favorable mortgage rates should support this trend.
Housing Market :
Q2' 10 Q3' 10 Q4' 10
(Forecast)
Average Price $138,600 $207,400
# Homes on the Market * 95 86
# Homes Sold ** 15 22
***
# New Homes Built *** NA NA
Avg # of Days on Market 125 124
* Available as of Sep. 30, 2010.
** May not add to total of zip codes.
*** During the first two months of 3rd quarter.
Data by Zip Codes for Q3 2010
Total # % Change in # % of Asking Price
Price Change Average Days
Zip Code Average Price Homes Sold Homes Sold (Sold/
*** on Market
(Quarter) *** List Price)
76442 $214,300 66.64% 21 23.53% 124 87.3%
76455 $64,000 -51.26% 1 -50.00% 130 85.4%
*** % Change of current quarter compared to the same quarter to year ago.
8

12. Local Report
Cooke County, TX
Buyer's Seller's
1 2 3 4 5
Market Market
Labor Market :
Employment increased by 39 jobs in Cooke County during August and September. However, the
number of job seekers also increased. The combined effect of these two trends was an increase in the
average monthly unemployment rate from 6.7% for the second quarter to 6.8% in the first two months of
the third quarter. Solid job growth will help confidence, while record low mortgage rates boost
affordability.
Housing Market :
Q2' 10 Q3' 10 Q4' 10
(Forecast)
Average Price $169,800 $190,100
# Homes on the Market * 366 340
# Homes Sold ** 94 65
***
# New Homes Built *** NA NA
Avg # of Days on Market 89 117
* Available as of Sep. 30, 2010.
** May not add to total of zip codes.
*** During the first two months of 3rd quarter.
Data by Zip Codes for Q3 2010
Total # % Change in # % of Asking Price
Price Change Average Days
Zip Code Average Price Homes Sold Homes Sold (Sold/
*** on Market
(Quarter) *** List Price)
76238 $600,500 N/A 2 N/A 328 98.8%
76240 $166,800 -10.13% 49 -23.44% 117 93.8%
76252 $165,000 -12.88% 2 -60.00% 63 97.1%
76272 $218,100 53.38% 10 0.00% 83 93.7%
OTHER $237,000 5.33% 2 100.00% 147 91.3%
*** % Change of current quarter compared to the same quarter to year ago.
9

13. Local Report
Dallas County, TX
Buyer's Seller's
1 2 3 4 5
Market Market
Labor Market :
Employment increased by 2,728 jobs in Dallas County during August and September. However, the
number of job seekers also increased. The combined effect of these two trends was an increase in the
average monthly unemployment rate from 8.8% for the second quarter to 8.9% in the first two months of
the third quarter. Solid job growth will help confidence, while record low mortgage rates boost
affordability.
Housing Market :
Q2' 10 Q3' 10 Q4' 10
(Forecast)
Average Price $222,200 $229,800
# Homes on the Market * 13,585 13,183
# Homes Sold ** 5,879 3,971
***
# New Homes Built *** 785 527
Avg # of Days on Market 72 79
* Available as of Sep. 30, 2010.
** May not add to total of zip codes.
*** During the first two months of 3rd quarter.
Data by Zip Codes for Q3 2010
Total # % Change in # % of Asking Price
Price Change Average Days
Zip Code Average Price Homes Sold Homes Sold (Sold/
*** on Market
(Quarter) *** List Price)
75001 $218,800 -10.98% 28 21.74% 69 96.4%
75006 $143,600 -0.21% 72 -33.33% 68 97.0%
75019 $322,200 10.80% 119 -11.85% 57 96.4%
75038 $333,800 50.63% 16 -42.86% 143 94.9%
75039 $387,200 25.43% 28 27.27% 167 94.3%
75040 $107,200 3.47% 98 -33.78% 72 96.3%
75041 $83,200 -11.02% 54 3.85% 59 94.7%
75042 $92,400 -1.70% 45 -39.19% 64 96.9%
*** % Change of current quarter compared to the same quarter to year ago.
10

14. Local Report
Dallas County, TX
Data by Zip Codes for Q3 2010
Total # % Change in # % of Asking Price
Price Change Average Days
Zip Code Average Price Homes Sold Homes Sold (Sold/
*** on Market
(Quarter) *** List Price)
75043 $110,900 -8.87% 121 -27.98% 80 96.0%
75044 $175,500 12.36% 85 -27.35% 89 95.5%
75048 $176,800 -7.34% 35 -35.19% 69 95.9%
75050 $95,500 7.42% 34 -8.11% 72 95.1%
75051 $76,500 -18.96% 40 -13.04% 53 96.9%
75052 $113,700 -2.99% 107 -28.19% 62 98.7%
75054 $170,000 -16.83% 1 -50.00% 178 89.5%
75060 $91,100 -16.50% 43 -29.51% 79 94.6%
75061 $90,600 -20.32% 41 -44.59% 72 97.1%
75062 $126,200 3.36% 68 0.00% 68 96.4%
75063 $283,400 8.75% 73 -13.10% 78 96.4%
75080 $188,600 8.89% 80 -36.51% 48 96.4%
75081 $147,600 -6.05% 59 -29.76% 47 96.3%
75082 $188,000 -14.19% 8 33.33% 82 94.5%
75088 $147,300 16.72% 60 -15.49% 60 96.8%
75089 $153,200 -8.48% 75 -42.75% 69 97.4%
75104 $143,300 -4.34% 110 -36.78% 65 97.4%
75115 $120,400 -8.72% 109 -34.34% 78 97.1%
75116 $93,800 -12.34% 26 -27.78% 80 95.5%
75134 $83,200 -0.95% 49 6.52% 44 98.4%
75137 $106,700 -5.41% 42 -31.15% 74 97.0%
75141 $58,500 -4.72% 4 -20.00% 59 96.1%
75146 $96,500 3.76% 43 -28.33% 92 96.1%
75149 $65,300 -20.94% 78 -49.35% 63 95.9%
75150 $80,300 -11.95% 94 -18.97% 64 96.1%
75159 $82,600 2.99% 22 -26.67% 72 98.9%
75172 $63,300 -17.79% 2 0.00% 52 89.8%
75180 $60,800 -8.71% 30 -33.33% 58 97.3%
75181 $125,000 -3.62% 65 -8.45% 64 96.4%
75182 $306,300 -14.15% 16 -20.00% 112 96.7%
75201 $1,023,800 91.62% 22 -46.34% 71 98.3%
75202 $189,800 41.43% 6 100.00% 83 97.9%
75203 $101,000 -36.88% 6 -50.00% 71 96.6%
75204 $284,800 18.77% 38 -42.42% 110 95.7%
75205 $1,040,600 9.63% 78 -6.02% 142 94.5%
75206 $316,600 9.55% 86 -20.37% 92 96.2%
*** % Change of current quarter compared to the same quarter to year ago.
11

15. Local Report
Dallas County, TX
Data by Zip Codes for Q3 2010
Total # % Change in # % of Asking Price
Price Change Average Days
Zip Code Average Price Homes Sold Homes Sold (Sold/
*** on Market
(Quarter) *** List Price)
75208 $247,100 -5.33% 52 10.64% 88 96.1%
75209 $586,300 35.97% 49 -12.50% 82 92.7%
75211 $79,600 -17.51% 51 -19.05% 42 96.4%
75212 $104,800 25.21% 6 -60.00% 35 99.4%
75214 $354,600 -8.84% 118 -19.73% 89 95.9%
75215 $62,900 -3.53% 7 40.00% 64 96.3%
75216 $36,800 -26.69% 25 8.70% 52 97.2%
75217 $59,800 3.28% 72 -51.35% 61 99.9%
75218 $266,100 6.87% 52 -49.02% 101 95.0%
75219 $324,400 5.36% 102 -6.42% 124 95.1%
75220 $451,900 -3.93% 33 -38.89% 115 96.3%
75223 $160,700 -30.88% 5 -78.26% 70 97.0%
75224 $73,600 -28.54% 37 -2.63% 53 94.4%
75225 $988,500 0.46% 94 17.50% 138 94.7%
75226 $330,000 96.43% 1 0.00% 61 91.7%
75227 $73,300 5.01% 68 -26.88% 70 95.8%
75228 $101,300 -2.22% 99 -30.77% 63 95.8%
75229 $412,500 -0.41% 70 -32.69% 86 95.1%
75230 $574,500 9.49% 103 -0.96% 131 94.0%
75231 $245,500 12.10% 32 -33.33% 63 97.7%
75232 $56,600 -13.19% 34 -37.04% 82 97.1%
75233 $79,600 -9.55% 22 -15.38% 43 98.2%
75234 $144,800 -5.30% 60 -21.05% 59 96.0%
75235 $114,400 -40.39% 14 -6.67% 91 96.0%
75236 $107,900 -12.56% 14 -22.22% 40 98.9%
75237 $89,000 16.19% 11 10.00% 57 98.8%
75238 $260,700 6.36% 54 -28.95% 57 96.6%
75240 $289,300 86.28% 27 28.57% 105 94.7%
75241 $62,800 9.79% 47 -12.96% 61 98.1%
75243 $156,700 -6.56% 53 -43.01% 85 96.6%
75244 $262,200 9.48% 32 -8.57% 131 94.8%
75248 $355,800 15.63% 81 -26.36% 72 95.3%
75249 $101,900 5.16% 33 -31.25% 72 98.9%
75253 $81,500 -2.28% 15 -25.00% 89 96.6%
75254 $261,800 36.21% 24 -53.85% 112 93.3%
OTHER $146,900 4.26% 58 -14.71% 112 97.8%
*** % Change of current quarter compared to the same quarter to year ago.
12

16. Local Report
Delta County, TX
Buyer's Seller's
1 2 3 4 5
Market Market
Labor Market :
Employment increased by 6 jobs in Delta County during August and September. However, the number
of job seekers also increased. The combined effect of these two trends was an increase in the average
monthly unemployment rate from 8.2% for the second quarter to 9% in the first two months of the third
quarter. Solid job growth will help confidence, while record low mortgage rates boost affordability.
Housing Market :
Q2' 10 Q3' 10 Q4' 10
(Forecast)
Average Price $101,100 $141,500
# Homes on the Market * 46 48
# Homes Sold ** 10 4
***
# New Homes Built *** NA NA
Avg # of Days on Market 196 140
* Available as of Sep. 30, 2010.
** May not add to total of zip codes.
*** During the first two months of 3rd quarter.
Data by Zip Codes for Q3 2010
Total # % Change in # % of Asking Price
Price Change Average Days
Zip Code Average Price Homes Sold Homes Sold (Sold/
*** on Market
(Quarter) *** List Price)
75432 $148,600 35.96% 3 -50.00% 81 93.7%
75469 $120,000 N/A 1 N/A 317 75.0%
*** % Change of current quarter compared to the same quarter to year ago.
13

17. Local Report
Denton County, TX
Buyer's Seller's
1 2 3 4 5
Market Market
Labor Market :
Employment increased by 832 jobs in Denton County during August and September. However, the
number of job seekers also increased. The combined effect of these two trends was an increase in the
average monthly unemployment rate from 7.4% for the second quarter to 7.7% in the first two months of
the third quarter. Solid job growth will help confidence, while record low mortgage rates boost
affordability.
Housing Market :
Q2' 10 Q3' 10 Q4' 10
(Forecast)
Average Price $220,300 $234,900
# Homes on the Market * 5,507 5,208
# Homes Sold ** 2,911 1,848
***
# New Homes Built *** 343 227
Avg # of Days on Market 66 72
* Available as of Sep. 30, 2010.
** May not add to total of zip codes.
*** During the first two months of 3rd quarter.
Data by Zip Codes for Q3 2010
Total # % Change in # % of Asking Price
Price Change Average Days
Zip Code Average Price Homes Sold Homes Sold (Sold/
*** on Market
(Quarter) *** List Price)
75007 $169,000 -6.78% 85 -41.38% 59 97.1%
75010 $225,000 -0.97% 44 -45.68% 62 95.8%
75022 $379,000 3.67% 97 4.30% 80 97.2%
75028 $265,200 3.96% 151 -34.91% 52 97.8%
75034 $329,700 9.17% 246 -21.41% 82 96.3%
75056 $229,800 14.90% 148 -15.43% 53 95.6%
75057 $161,100 36.99% 5 -68.75% 77 97.7%
75065 $393,800 146.74% 30 -18.92% 62 98.8%
*** % Change of current quarter compared to the same quarter to year ago.
14

18. Local Report
Denton County, TX
Data by Zip Codes for Q3 2010
Total # % Change in # % of Asking Price
Price Change Average Days
Zip Code Average Price Homes Sold Homes Sold (Sold/
*** on Market
(Quarter) *** List Price)
75067 $153,700 5.78% 80 -50.31% 72 96.9%
75068 $164,800 -4.30% 144 -30.43% 65 97.1%
75077 $248,700 8.13% 102 -34.19% 62 96.4%
76201 $118,200 -9.49% 24 -14.29% 53 95.5%
76205 $173,500 -5.35% 26 -10.34% 51 97.0%
76207 $174,800 9.32% 33 37.50% 113 95.7%
76208 $209,300 2.40% 37 -35.09% 74 97.5%
76209 $114,000 0.26% 59 -20.27% 84 97.8%
76210 $178,500 2.00% 122 -37.44% 70 97.9%
76226 $334,700 1.03% 79 -3.66% 110 95.7%
76227 $168,800 18.12% 83 -27.19% 65 96.0%
76247 $140,400 -60.69% 39 -17.02% 89 96.8%
76249 $168,200 28.20% 17 -26.09% 98 95.9%
76258 $179,100 -24.24% 15 -6.25% 101 95.9%
76259 $179,300 33.21% 11 10.00% 72 97.5%
76262 $300,500 19.53% 71 -6.58% 74 94.9%
76266 $113,500 -16.91% 29 -34.09% 72 96.1%
OTHER $231,000 -16.09% 71 -25.26% 97 94.2%
*** % Change of current quarter compared to the same quarter to year ago.
15

19. Local Report
Eastland County, TX
Buyer's Seller's
1 2 3 4 5
Market Market
Labor Market :
Employment declined by 68 jobs in August and September. The job losses brought about an increase in
the average monthly unemployment rate from 8.4% in the second quarter to 8.5% for the initial two
months of the third quarter. Layoffs continued to rise, which will weigh buyer confidence and demand in
Eastland County. However, mortgage rates have once again hit record lows, creating a favorable buying
environment for those with a job.
Housing Market :
Q2' 10 Q3' 10 Q4' 10
(Forecast)
Average Price $140,200 $94,000
# Homes on the Market * 122 121
# Homes Sold ** 16 30
***
# New Homes Built *** NA NA
Avg # of Days on Market 151 220
* Available as of Sep. 30, 2010.
** May not add to total of zip codes.
*** During the first two months of 3rd quarter.
Data by Zip Codes for Q3 2010
Total # % Change in # % of Asking Price
Price Change Average Days
Zip Code Average Price Homes Sold Homes Sold (Sold/
*** on Market
(Quarter) *** List Price)
76435 $189,300 N/A 3 N/A 395 96.0%
76437 $83,100 -11.12% 9 800.00% 200 95.4%
76445 $125,000 N/A 1 N/A 330 96.2%
76448 $80,200 -23.03% 11 -21.43% 168 93.1%
76466 $61,000 N/A 1 N/A 24 81.3%
76470 $87,500 -23.91% 5 400.00% 285 89.2%
*** % Change of current quarter compared to the same quarter to year ago.
16

20. Local Report
Ellis County, TX
Buyer's Seller's
1 2 3 4 5
Market Market
Labor Market :
Employment increased by 169 jobs in Ellis County during August and September. However, the number
of job seekers also increased. The combined effect of these two trends was an increase in the average
monthly unemployment rate from 8.3% for the second quarter to 8.8% in the first two months of the third
quarter. Solid job growth will help confidence, while record low mortgage rates boost affordability.
Housing Market :
Q2' 10 Q3' 10 Q4' 10
(Forecast)
Average Price $157,700 $159,800
# Homes on the Market * 1,108 1,099
# Homes Sold ** 411 341
***
# New Homes Built *** 138 86
Avg # of Days on Market 88 96
* Available as of Sep. 30, 2010.
** May not add to total of zip codes.
*** During the first two months of 3rd quarter.
Data by Zip Codes for Q3 2010
Total # % Change in # % of Asking Price
Price Change Average Days
Zip Code Average Price Homes Sold Homes Sold (Sold/
*** on Market
(Quarter) *** List Price)
75101 $27,500 N/A 1 N/A 167 78.6%
75119 $116,600 -2.10% 38 18.75% 89 91.4%
75125 $55,400 -60.82% 7 133.33% 167 95.2%
75152 $85,700 -4.35% 10 66.67% 101 95.5%
75154 $148,200 12.53% 74 5.71% 105 95.7%
75165 $150,100 13.03% 91 -11.65% 97 95.9%
75167 $216,100 30.57% 23 35.29% 85 97.5%
76041 $35,000 -84.64% 1 0.00% 17 100.0%
76064 $126,000 -15.72% 7 40.00% 60 96.4%
*** % Change of current quarter compared to the same quarter to year ago.
17

21. Local Report
Ellis County, TX
Data by Zip Codes for Q3 2010
Total # % Change in # % of Asking Price
Price Change Average Days
Zip Code Average Price Homes Sold Homes Sold (Sold/
*** on Market
(Quarter) *** List Price)
76065 $206,700 14.07% 76 -37.70% 87 96.1%
76651 $164,800 -19.02% 7 75.00% 115 90.8%
OTHER $237,500 -9.32% 6 -40.00% 141 92.8%
*** % Change of current quarter compared to the same quarter to year ago.
18

22. Local Report
Erath County, TX
Buyer's Seller's
1 2 3 4 5
Market Market
Labor Market :
Employment declined by 555 jobs in August and September. The job losses brought about an increase
in the average monthly unemployment rate from 6.4% in the second quarter to 7% for the initial two
months of the third quarter. Layoffs continued to rise, which will weigh buyer confidence and demand in
Erath County. However, mortgage rates have once again hit record lows, creating a favorable buying
environment for those with a job.
Housing Market :
Q2' 10 Q3' 10 Q4' 10
(Forecast)
Average Price $156,000 $152,900
# Homes on the Market * 379 375
# Homes Sold ** 93 52
***
# New Homes Built *** NA NA
Avg # of Days on Market 116 112
* Available as of Sep. 30, 2010.
** May not add to total of zip codes.
*** During the first two months of 3rd quarter.
Data by Zip Codes for Q3 2010
Total # % Change in # % of Asking Price
Price Change Average Days
Zip Code Average Price Homes Sold Homes Sold (Sold/
*** on Market
(Quarter) *** List Price)
76401 $147,300 -2.39% 44 -41.33% 95 94.2%
76433 $249,500 113.98% 3 0.00% 176 95.9%
76446 $144,400 62.98% 5 -61.54% 228 87.5%
*** % Change of current quarter compared to the same quarter to year ago.
19

23. Local Report
Fannin County, TX
Buyer's Seller's
1 2 3 4 5
Market Market
Labor Market :
Employment declined by 50 jobs in August and September. The job losses brought about an increase in
the average monthly unemployment rate from 9.4% in the second quarter to 9.7% for the initial two
months of the third quarter. Layoffs continued to rise, which will weigh buyer confidence and demand in
Fannin County. However, mortgage rates have once again hit record lows, creating a favorable buying
environment for those with a job.
Housing Market :
Q2' 10 Q3' 10 Q4' 10
(Forecast)
Average Price $104,900 $114,000
# Homes on the Market * 377 335
# Homes Sold ** 49 52
***
# New Homes Built *** NA NA
Avg # of Days on Market 86 118
* Available as of Sep. 30, 2010.
** May not add to total of zip codes.
*** During the first two months of 3rd quarter.
Data by Zip Codes for Q3 2010
Total # % Change in # % of Asking Price
Price Change Average Days
Zip Code Average Price Homes Sold Homes Sold (Sold/
*** on Market
(Quarter) *** List Price)
75418 $77,100 -20.43% 21 -36.36% 102 91.0%
75438 $51,400 N/A 1 N/A 98 97.0%
75439 $180,000 373.68% 1 0.00% 116 90.2%
75446 $89,600 7.95% 4 0.00% 110 89.0%
75447 $215,000 124.43% 1 -66.67% 122 93.9%
75449 $222,000 362.50% 1 0.00% 146 103.3%
75452 $151,200 26.11% 11 22.22% 142 93.6%
75475 $48,900 N/A 1 N/A 421 98.0%
*** % Change of current quarter compared to the same quarter to year ago.
20

24. Local Report
Fannin County, TX
Data by Zip Codes for Q3 2010
Total # % Change in # % of Asking Price
Price Change Average Days
Zip Code Average Price Homes Sold Homes Sold (Sold/
*** on Market
(Quarter) *** List Price)
75479 $101,700 N/A 3 N/A 74 98.4%
75488 $447,500 436.57% 1 0.00% 473 90.4%
75490 $91,500 -35.65% 4 -33.33% 47 91.2%
75492 $149,300 N/A 2 N/A 97 90.5%
OTHER $155,000 -3.13% 1 0.00% 24 93.9%
*** % Change of current quarter compared to the same quarter to year ago.
21

25. Local Report
Fisher County, TX
Buyer's Seller's
1 2 3 4 5
Market Market
Labor Market :
Employment increased by 15 jobs in Fisher County during August and September. However, the number
of job seekers also increased. The combined effect of these two trends was an increase in the average
monthly unemployment rate from 6.7% for the second quarter to 6.7% in the first two months of the third
quarter. Solid job growth will help confidence, while record low mortgage rates boost affordability.
Housing Market :
Q2' 10 Q3' 10 Q4' 10
(Forecast)
Average Price NA $37,700
# Homes on the Market * NA 1
# Homes Sold ** NA 1
***
# New Homes Built *** NA 0
Avg # of Days on Market NA 55
* Available as of Sep. 30, 2010.
** May not add to total of zip codes.
*** During the first two months of 3rd quarter.
Data by Zip Codes for Q3 2010
Total # % Change in # % of Asking Price
Price Change Average Days
Zip Code Average Price Homes Sold Homes Sold (Sold/
*** on Market
(Quarter) *** List Price)
79546 $37,700 N/A 1 N/A 55 91.0%
*** % Change of current quarter compared to the same quarter to year ago.
22

26. Local Report
Franklin County, TX
Buyer's Seller's
1 2 3 4 5
Market Market
Labor Market :
Employment declined by 77 jobs in August and September. The job losses brought about an increase in
the average monthly unemployment rate from 7.5% in the second quarter to 7.8% for the initial two
months of the third quarter. Layoffs continued to rise, which will weigh buyer confidence and demand in
Franklin County. However, mortgage rates have once again hit record lows, creating a favorable buying
environment for those with a job.
Housing Market :
Q2' 10 Q3' 10 Q4' 10
(Forecast)
Average Price $59,400 $163,500
# Homes on the Market * 42 37
# Homes Sold ** 7 2
***
# New Homes Built *** NA NA
Avg # of Days on Market 79 77
* Available as of Sep. 30, 2010.
** May not add to total of zip codes.
*** During the first two months of 3rd quarter.
Data by Zip Codes for Q3 2010
Total # % Change in # % of Asking Price
Price Change Average Days
Zip Code Average Price Homes Sold Homes Sold (Sold/
*** on Market
(Quarter) *** List Price)
75480 $68,000 -82.37% 1 -50.00% 112 85.0%
OTHER $259,000 793.10% 1 -66.67% 42 97.4%
*** % Change of current quarter compared to the same quarter to year ago.
23

27. Local Report
Freestone County, TX
Buyer's Seller's
1 2 3 4 5
Market Market
Labor Market :
In the first two months of the third quarter, 124 jobs were added to the payrolls of Freestone County. As
a result of these new jobs, the average monthly unemployment rate fell from 6.8% during the second
quarter to 6.8% for August and September. This steady job creation will help buyer confidence and fuel
home purchases down the road. Favorable mortgage rates should support this trend.
Housing Market :
Q2' 10 Q3' 10 Q4' 10
(Forecast)
Average Price $115,000 $192,300
# Homes on the Market * 85 99
# Homes Sold ** 22 15
***
# New Homes Built *** NA NA
Avg # of Days on Market 162 126
* Available as of Sep. 30, 2010.
** May not add to total of zip codes.
*** During the first two months of 3rd quarter.
Data by Zip Codes for Q3 2010
Total # % Change in # % of Asking Price
Price Change Average Days
Zip Code Average Price Homes Sold Homes Sold (Sold/
*** on Market
(Quarter) *** List Price)
75840 $106,400 -19.70% 6 -33.33% 65 92.9%
75859 $529,500 110.70% 3 0.00% 218 90.6%
75860 $106,500 50.85% 5 0.00% 122 94.0%
OTHER $125,000 N/A 1 N/A 239 86.9%
*** % Change of current quarter compared to the same quarter to year ago.
24

28. Local Report
Grayson County, TX
Buyer's Seller's
1 2 3 4 5
Market Market
Labor Market :
Employment increased by 387 jobs in Grayson County during August and September. However, the
number of job seekers also increased. The combined effect of these two trends was an increase in the
average monthly unemployment rate from 8.5% for the second quarter to 8.6% in the first two months of
the third quarter. Solid job growth will help confidence, while record low mortgage rates boost
affordability.
Housing Market :
Q2' 10 Q3' 10 Q4' 10
(Forecast)
Average Price $132,000 $121,500
# Homes on the Market * 1,211 1,191
# Homes Sold ** 304 233
***
# New Homes Built *** 3 1
Avg # of Days on Market 111 96
* Available as of Sep. 30, 2010.
** May not add to total of zip codes.
*** During the first two months of 3rd quarter.
Data by Zip Codes for Q3 2010
Total # % Change in # % of Asking Price
Price Change Average Days
Zip Code Average Price Homes Sold Homes Sold (Sold/
*** on Market
(Quarter) *** List Price)
75020 $94,500 -11.76% 44 -6.38% 74 93.7%
75021 $102,100 -32.02% 2 -83.33% 36 98.8%
75076 $143,300 3.47% 35 45.83% 136 94.9%
75090 $85,800 -20.19% 34 9.68% 68 95.3%
75092 $150,700 14.86% 46 -22.03% 79 91.4%
75414 $99,300 -41.90% 4 -42.86% 159 92.6%
75459 $130,000 -0.84% 9 -25.00% 171 96.9%
75489 $76,500 -44.40% 2 0.00% 154 91.1%
*** % Change of current quarter compared to the same quarter to year ago.
25

29. Local Report
Grayson County, TX
Data by Zip Codes for Q3 2010
Total # % Change in # % of Asking Price
Price Change Average Days
Zip Code Average Price Homes Sold Homes Sold (Sold/
*** on Market
(Quarter) *** List Price)
75491 $82,200 -54.38% 8 33.33% 82 96.6%
75495 $140,700 4.61% 14 -12.50% 94 94.1%
76233 $66,200 -39.87% 5 -44.44% 152 91.2%
76245 $100,900 -28.99% 4 -33.33% 223 96.8%
76264 $137,200 6.36% 4 300.00% 49 97.9%
76271 $94,200 -40.38% 3 -25.00% 108 99.4%
76273 $167,400 36.10% 19 5.56% 93 98.0%
*** % Change of current quarter compared to the same quarter to year ago.
26