Consumer Corner
Buffalo thunders back as Zillow’s hottest market for 2025
Affordability and job growth are key drivers of competition
- Competition among buyers never cooled in Buffalo last year, and that heat should keep smoldering through 2025.
- Hot markets spread from the Northeast, Great Lakes and South regions into the Midwest and West.
- Virginia Beach jumped farthest up the list from 2024, leapfrogging over 23 markets.
SEATTLE, Jan. 7, 2025 /PRNewswire/ — Buffalo, New York, will be the hottest major housing market in 2025, according to a new analysis by Zillow®, the first time a market has held the title in back-to-back years. Relative affordability and few homes for sale are common threads among what should be the most competitive markets for buyers this year.
“Construction that keeps pace with an area’s growth remains a crucial piece of keeping homes available and accessible. In chilly Buffalo, competition among buyers will remain hot, with employment growing far faster than builders are adding homes,” said Skylar Olsen, Zillow chief economist. “Shoppers nationwide should see more options for sale than in recent years, along with slow and steady price growth. That’s the good news. But both buyers and sellers should expect unpredictable mortgage rates.”
This hotness ranking of the nation’s 50 most populous metros takes into account Zillow’s forecast for local home value growth and how quickly homes are selling. It also considers job growth per new home permitted and expected growth in owner-occupied households.
Zillow forecast Buffalo to be the hottest market in 2024, and that prediction proved prescient. Sellers held a strong advantage in negotiations there throughout last year, according to Zillow’s market heat index.
Buffalo has the most new jobs per new home permitted — a measure of expected demand. New jobs often mean new residents, which raises competition and drives up prices unless builders can match the additional demand.
Although affordability has improved slightly compared to last year, it’s still top of mind for buyers. Lower-than-average home prices and rent costs in Buffalo as well as Midwest metros like Indianapolis, St. Louis and Kansas City have bolstered demand in these areas, helping push them to the top of the list.
Relative affordability is a powerful force, too. Nearby alternatives to expensive Northeastern metros like New York and Boston dominated Zillow’s list of the most popular cities among home shoppers in 2024. Metropolitan areas in the same vein — Providence, Hartford and Philadelphia — rank high on this list as well.
Hartford, Providence, Indianapolis and Charlotte are all among the top five in Zillow’s forecast for home value appreciation in 2025. Hartford leads the pack with 4.2% expected growth. But home value growth is set to largely level out this year — even these standout metros look tame compared to the double-digit annual appreciation seen in 2021 and 2022.
Rising fastest in the ranks from 2024’s hottest markets list is Virginia Beach, which leapfrogged over 23 markets to the No. 13 spot this year, driven by job growth that has far outpaced new home permitting. Memphis fell the farthest by the same token, dropping 30 places, as new home permitting has eclipsed low job growth.
After the entire western half of the country was shut out of last year’s top 10, Salt Lake City nudged its way onto this year’s list at No. 10. San Diego was the only other Western metro in the top 20, at No. 19.
Mortgage rates are likely to continue on their bumpy path in 2025, and swings will have a major impact on which homes shoppers can afford or even qualify for. Zillow Home Loans’ BuyAbilitySM tool tracks rates in real time to show users which homes fit their budget.
| 2025 Hottest Markets Rank | Metropolitan Area | Change in Rank from 2024 | Zillow Home Value Index (ZHVI) 2024 | ZHVI Year over Year Growth, 2024 | 2025 Home Value Growth Forecast | Jobs per New Home Permitted | Change in Inventory Versus 2018–2019 Averages |
| 1 | Buffalo, NY | 0 | $260,537 | 5.7 % | 2.8 % | 2.0 | -46.1 % |
| 2 | Indianapolis, IN | 2 | $275,639 | 3.6 % | 3.4 % | 0.5 | -16.1 % |
| 3 | Providence, RI | 2 | $484,019 | 6.7 % | 3.7 % | 1.3 | -62 % |
| 4 | Hartford, CT | 15 | $363,298 | 6.5 % | 4.2 % | 1.1 | -68.6 % |
| 5 | Philadelphia, PA | 6 | $362,744 | 4.6 % | 2.6 % | 1.5 | -46 % |
| 6 | St. Louis, MO | 9 | $250,141 | 4.2 % | 1.9 % | 1.3 | -43.8 % |
| 7 | Charlotte, NC | 0 | $377,450 | 1.6 % | 3.2 % | -0.5 | 17.5 % |
| 8 | Kansas City, MO | 10 | $299,118 | 3.8 % | 2.7 % | 0.2 | -36 % |
| 9 | Richmond, VA | 11 | $368,957 | 4.1 % | 2.9 % | -0.1 | -43.3 % |
| 10 | Salt Lake City, UT | 18 | $543,324 | 2.8 % | 2.3 % | 0.5 | -4.8 % |
| 11 | Cincinnati, OH | -9 | $281,887 | 4.6 % | 2.9 % | -0.2 | -32.8 % |
| 12 | Columbus, OH | -9 | $310,746 | 3.8 % | 3.1 % | -0.8 | -20.5 % |
| 13 | Virginia Beach, VA | 23 | $349,186 | 4.6 % | 2.5 % | 1.2 | -42.6 % |
| 14 | Cleveland, OH | -6 | $228,140 | 6.4 % | 2.8 % | 0.6 | -52.6 % |
| 15 | Miami, FL | 10 | $486,056 | 1.0 % | 3.5 % | 1.0 | -4.4 % |
| 16 | Boston, MA | 10 | $694,494 | 4.7 % | 2.1 % | 0.1 | -45.8 % |
| 17 | Oklahoma City, OK | 21 | $230,466 | 2.5 % | 2.4 % | 0.7 | -2.5 % |
| 18 | Detroit, MI | 6 | $248,126 | 4.8 % | 1.7 % | 0.1 | -34.1 % |
| 19 | San Diego, CA | 10 | $939,174 | 3.8 % | 2.5 % | -0.4 | -32.9 % |
| 20 | Birmingham, AL | 21 | $247,509 | 0.7 % | 1.3 % | 0.4 | -13.9 % |
| 21 | Raleigh, NC | -4 | $441,066 | 1.1 % | 1.7 % | -0.7 | -13.5 % |
| 22 | Riverside, CA | 12 | $583,420 | 3 % | 2.4 % | -0.3 | -25. % |
| 23 | Orlando, FL | -14 | $391,924 | -0.3 % | 2.2 % | -0.6 | 17 % |
| 24 | Atlanta, GA | -18 | $379,262 | 0.3 % | 2.6 % | -0.7 | -3 % |
| 25 | Pittsburgh, PA | -9 | $208,583 | 2.8 % | 0.6 % | 1.0 | -32.3 % |
| 26 | Louisville, KY | -12 | $255,206 | 4.7 % | 1.9 % | -0.4 | -27.1 % |
| 27 | Phoenix, AZ | 8 | $454,001 | -0.3 % | 1.7 % | -0.4 | -7.9 % |
| 28 | Washington, DC | 11 | $567,825 | 4.4 % | 0.8 % | -0.1 | -38.8 % |
| 29 | Tampa, FL | -19 | $372,170 | -2.5 % | 2.2 % | -0.6 | 7.3 % |
| 30 | Dallas, TX | -9 | $368,683 | -0.4 % | 1.0 % | -0.4 | 1.5 % |
| 31 | Nashville, TN | 2 | $436,301 | 1.7 % | 2.2 % | -0.8 | -10.8 % |
| 32 | Seattle, WA | 0 | $735,683 | 5.1 % | 1.9 % | -1.0 | -23.5 % |
| 33 | Baltimore, MD | 10 | $386,001 | 3.6 % | 0.8 % | -0.2 | -46.9 % |
| 34 | Los Angeles, CA | -11 | $949,057 | 4.6 % | 1.7 % | -0.4 | -26.1 % |
| 35 | Las Vegas, NV | -23 | $428,725 | 5.1 % | 1.1 % | 0.2 | -18.3 % |
| 36 | San Antonio, TX | 13 | $280,603 | -1.8 % | 0.3 % | 0.2 | 22.7 % |
| 37 | Sacramento, CA | -10 | $577,630 | 2.1 % | 0.0 % | 0.0 | -29.9 % |
| 38 | Houston, TX | 9 | $306,191 | 0.6 % | 0.6 % | -0.3 | 1 % |
| 39 | Chicago, IL | -17 | $321,484 | 5.4 % | 1.2 % | -0.5 | -48.6 % |
| 40 | Jacksonville, FL | -9 | $353,501 | -0.9 % | 1.9 % | -0.8 | 14.1 % |
| 41 | New York, NY | 4 | $677,368 | 6.4 % | 1.3 % | 0.3 | -55.9 % |
| 42 | Milwaukee, WI | 2 | $343,920 | 5.3 % | 2.4 % | -1.6 | -27.1 % |
| 43 | Memphis, TN | -30 | $233,885 | 1.1 % | 2.3 % | -1.7 | -1.2 % |
| 44 | Denver, CO | 4 | $579,604 | 0.8 % | 0.1 % | -0.6 | 4.3 % |
| 45 | Minneapolis, MN | 1 | $368,562 | 2.5 % | 0.2 % | -0.8 | -26.7 % |
| 46 | Austin, TX | -6 | $444,248 | -3.2 % | -0.4 % | -0.6 | 33.7 % |
| 47 | Portland, OR | -10 | $543,814 | 1.8 % | 0.3 % | -1.3 | -19.3 % |
| 48 | San Jose, CA | -6 | $1,588,186 | 7.9 % | -0.2 % | -1.3 | -34.8 % |
| 49 | San Francisco, CA | -19 | $1,140,718 | 2.7 % | -1.7 % | -1.1 | -3.5 % |
| 50 | New Orleans, LA | 0 | $235,657 | -1.4 % | -3.8 % | -0.9 | 61.1 % |
About Zillow Group:
Zillow Group, Inc. (Nasdaq: Z and ZG) is reimagining real estate to make home a reality for more and more people. As the most visited real estate website in the United States, Zillow and its affiliates help people find and get the home they want by connecting them with digital solutions, dedicated partners and agents, and easier buying, selling, financing, and renting experiences.
Zillow Group’s affiliates, subsidiaries and brands include Zillow®, Premier Agent®, Zillow Home Loans℠, Zillow Rentals®, Trulia®, Out East®, StreetEasy®, HotPads®, ShowingTime+℠, Spruce®, and Follow Up Boss®.
All marks herein are owned by MFTB Holdco, Inc., a Zillow affiliate. Zillow Home Loans, LLC is an Equal Housing Lender, NMLS #10287 (www.nmlsconsumeraccess.org). © 2025 MFTB Holdco, Inc., a Zillow affiliate.
(ZFIN)
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Automotive
The Coolest Thing Made in Mississippi: Nissan Frontier
Exciting news! The Nissan Frontier has been crowned the “Coolest Thing Made in Mississippi” at the 2025 Mississippi Makers’ Challenge! 
Manufactured in Canton and powered by cutting-edge technology, this remarkable vehicle showcases top-notch craftsmanship and innovation. Proud to celebrate our local talent! #NissanFrontier #CoolestThing #MississippiMakers #Innovation
CANTON, Miss. – The Nissan Frontier has earned the prestigious title of the “Coolest Thing Made in Mississippi” by winning the 2025 Mississippi Makers’ Challenge, an event organized by the Mississippi Manufacturers Association. This accolade highlights the Frontier’s exceptional craftsmanship and innovative features that set it apart in the competitive automotive market.
Manufactured at Nissan’s state-of-the-art facility in Canton, Mississippi, the Frontier showcases the dedication and expertise of the skilled workforce in the region. Each vehicle is meticulously assembled, combining quality engineering with contemporary design to meet the needs of today’s drivers.
Powering the Frontier are robust engines built at Nissan’s powertrain plant in Decherd, Tennessee, further adding to the vehicle’s impressive performance and reliability. The collaboration between these two locations reflects Nissan’s commitment to supporting local economies while producing high-quality vehicles that American customers have come to love.
The recognition of the Nissan Frontier as the “Coolest Thing Made in Mississippi” is not just a win for Nissan; it underscores the rich manufacturing heritage of the state and the remarkable talent within its workforce. As Nissan continues to innovate and evolve, the Frontier stands as a testament to what can be achieved when craftsmanship meets cutting-edge technology.
With this accolade, the Nissan Frontier solidifies its place as a top choice for adventure enthusiasts and everyday drivers alike, proving that great things can indeed come from Mississippi.
Link to the Nissan Press Release: The Coolest Thing Made in Mississippi: Nissan Frontier
Welcome to the Consumer Corner section of STM Daily News, your ultimate destination for savvy shopping and informed decision-making! Dive into a treasure trove of insights and reviews covering everything from the hottest toys that spark joy in your little ones to the latest electronic gadgets that simplify your life. Explore our comprehensive guides on stylish home furnishings, discover smart tips for buying a home or enhancing your living space with creative improvement ideas, and get the lowdown on the best cars through our detailed auto reviews. Whether you’re making a major purchase or simply seeking inspiration, the Consumer Corner is here to empower you every step of the way—unlock the keys to becoming a smarter consumer today!
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If you’ve recently discovered that your paycheck is smaller than expected, it’s possible you’re dealing with wage garnishment—a distressing situation that affects millions of Americans every year. This means a portion of your hard-earned money is being taken before it ever reaches your bank account, making it incredibly challenging to manage your budget, especially during tough financial times.
Understanding how wage garnishment works can help you navigate this rocky terrain. It usually occurs after a creditor has sued you, won a judgment, and obtained a court order to garnish your wages. However, certain exceptions—such as unpaid taxes, child support, and student loans—allow for garnishment without a court order. Regardless of how you found yourself in this situation, it’s important to know that there are steps you can take to mitigate or even stop the garnishment altogether.
If you’re facing wage garnishment, don’t lose hope. Acting quickly can be crucial. Here are six steps to help you address this issue and potentially find relief:
1. Verify the Garnishment Is Legal
It may feel overwhelming to see your paycheck impacted, but the first step is to confirm the legitimacy of the garnishment. Federal law mandates that you must receive a garnishment notice prior to any wage withholding. Carefully review this document to ensure that the debt belongs to you and that the creditor followed all proper legal protocols. Garish mistakes can occur, and verifying each detail can empower you to challenge any discrepancies.
2. Check for Violations of the Fair Debt Collection Practices Act
It’s disheartening, but some debt collectors may engage in questionable practices throughout the garnishment process. If you have not been properly notified or if your wages have been garnished beyond what is legally allowed, this might constitute a violation of the Fair Debt Collection Practices Act (FDCPA). Knowing your rights can be the first step in seeking justice. If you notice any irregularities, document your experiences—this could be crucial in seeking damages or legal fees.
3. Know Your Legal Protections
Understanding your legal protections can provide significant relief. Federal law stipulates that creditors can only garnish a limited portion of your earnings—typically 25% of disposable income or the amount by which your income exceeds 30 times the federal minimum wage, whichever is less. Additionally, certain income sources, like Social Security and disability benefits, are generally exempt from garnishment. Familiarizing yourself with these protections can bolster your confidence as you navigate this process.
4. File an Objection or Exemption Claim
If the garnishment is causing you severe financial hardship, you have the right to file an objection, often referred to as a “claim of exemption.” This usually involves submitting a formal request to the court that issued the garnishment order. It might feel daunting, but many courts are willing to reconsider garnishments that pose a significant burden on your ability to support yourself or your dependents. Advocating for your rights can lead to a modification or even termination of the garnishment.
5. Negotiate Directly with the Creditor
Even after wage garnishment begins, there’s still room to negotiate with the creditor. A direct conversation can sometimes open the door to negotiating a more reasonable payment plan or even settling for a lesser amount of what you owe. Many creditors are willing to work with you rather than endure the complexities of garnishment procedures. Approach this conversation with transparency about your financial situation and be prepared to offer a realistic, sustainable payment option.
6. Consider Bankruptcy as a Last Resort
When all else fails, it might be time to consider bankruptcy. While this option can feel intimidating, it offers a pathway to eliminate debts and stop wage garnishment. However, bankruptcy comes with its own set of complexities and consequences, so it’s essential to seek guidance from a qualified financial advisor or an attorney specializing in bankruptcy law.
Conclusion
Finding out that your wages are being garnished can evoke a whirlwind of stress, uncertainty, and fear. Remember, you’re not alone in facing this issue—millions are battling similar challenges. It’s critical to know that there are legal steps you can take to protect your rights and alleviate the strain of garnishment. By verifying the garnishment, understanding your rights, and taking action, you can work toward regaining control of your financial situation. With determination and the right approach, there is light at the end of the tunnel.
If you want to read more on this topic, check out the story from CBS News that highlights important steps to take when facing wage garnishment. It provides valuable insights and information that can help you navigate this challenging situation. Don’t miss it! 
https://www.cbsnews.com/news/what-to-do-debt-collector-garnishing-paycheck/
Welcome to the Consumer Corner section of STM Daily News, your ultimate destination for savvy shopping and informed decision-making! Dive into a treasure trove of insights and reviews covering everything from the hottest toys that spark joy in your little ones to the latest electronic gadgets that simplify your life. Explore our comprehensive guides on stylish home furnishings, discover smart tips for buying a home or enhancing your living space with creative improvement ideas, and get the lowdown on the best cars through our detailed auto reviews. Whether you’re making a major purchase or simply seeking inspiration, the Consumer Corner is here to empower you every step of the way—unlock the keys to becoming a smarter consumer today!
https://stmdailynews.com/category/consumer-corner
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(Family Features) Most homeowners strive for beautiful yards, but neglecting a key component of lawn maintenance – the lawn mower itself – can lead to issues not only with your lawn but with the machine as well.
A well-maintained mower provides a cleaner cut, which promotes healthier grass growth. Neglecting regular maintenance can result in uneven cuts, scalping and other issues that can damage your lawn. Regular maintenance also ensures your mower operates at peak efficiency, which can extend the lifespan of your mower, saving you money in the long run by preventing costly repairs or the need for a new machine.
To unlock the full potential of your lawn mower, clean it after each use to prevent buildup of grass clippings and debris, and store it in a dry, sheltered place between uses. Additionally, regular maintenance including checking the oil level, inspecting the air filter and ensuring the blades are sharp can prevent larger issues and keep your mower running smoothly.
- Change the Oil: Drain the old oil from your mower and refill it with fresh, high-quality engine oil.
- Replace the Air Filter: A clogged air filter can reduce your mower’s efficiency. Replace it with a new one to ensure optimal air flow to the engine.
- Change the Spark Plug: Remove the old spark plug using a spark plug wrench and replace it with a new one. This ensures reliable ignition and efficient fuel combustion.
- Sharpen the Blades: Remove the blades and sharpen them using a file or a sharpening tool. Reattach them securely before mowing.
- Clean the Deck: Grass clippings and debris can accumulate under the deck. Clean it thoroughly to prevent rust and ensure smooth operation.
- Inspect the Belts and Cables: Check for any signs of wear or damage. Replace any worn or frayed belts and cables to avoid future breakdowns.
Visit eLivingtoday.com to find more advice to keep your lawn and garden equipment in pristine condition.
Photo courtesy of Shutterstock
SOURCE:
eLivingtoday.com
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