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Real Estate Loan Programs

Hard Money Loan

is a specific type of asset-based loan financing through which a borrower receives funds secured by real property. Hard money loans are typically issued by private investors or companies. Interest rates are typically higher than conventional commercial or residential property loans because of the higher risk and shorter duration of the loan.

a. Most of the time for fix n flips. Most lenders will give 65% LTV, some 70% LTV , a few maybe 75% LTV, rarely give you 80% LTV ( loan to Value) b. 100% of the repair costs. c. Most charge 2 to 4 points upfront fee (2% to 4%). d. Time is usually anywhere from 3, 6, or 12 months.

Private Money Loan

a commonly used term in banking and finance. It refers to lending money to a company or individual by a private individual or organization. While banks are traditional sources of financing for real estate, and other purposes, private money is offered by individuals or organizations and may have non traditional qualifying guidelines. There are higher risks associated with private lending for both the lender and borrowers. There is traditionally less "red tape" and regulation.

Bridge Loan

A bridge loan is a type of short-term loan, typically taken out for a period of 2 weeks to 3 years pending the arrangement of larger or longer-term financing. A bridge loan is interim financing for an individual or business until permanent financing or the next stage of financing is obtained. Money from the new financing is generally used to "take out" (i.e. to pay back) the bridge loan, as well as other capitalization needs.

Bridge loans are typically more expensive than conventional financing, to compensate for the additional risk. Bridge loans typically have a higher interest rate, points (points are essentially fees, 1 point equals 1% of loan amount), and other costs that are amortized over a shorter period, and various fees and other "sweeteners" (such as equity participation by the lender in some loans). The lender also may require cross-collateralization and a lower loan-to-value ratio. On the other hand, they are typically arranged quickly with relatively little documentation.

Silent Partner Equity

Money partner puts up all the money for equity participation for example. They for give 1 million dollars for a 30% equity share in the property. Where they get 30% of the profits then you get 70%. You do all the work on the real estate property.

DSCR Loans

The debt service coverage ratio (DSCR), also known as "debt coverage ratio" (DCR), is the ratio of operating income available to debt servicing for interest, principal and lease payments. It is a popular benchmark used in the measurement of an entity's (person or corporation) ability to produce enough cash to cover its debt (including lease) payments. The higher this ratio is, the easier it is to obtain a loan. The phrase is also used in commercial banking and may be expressed as a minimum ratio that is acceptable to a lender; it may be a loan condition. Breaching a DSCR covenant can, in some circumstances, be an act of default.

No Doc Loan

A No-Doc or Low-doc loan (abbr: No/Low Documentation Loan) refers to loans that do not require borrowers to provide documentation of their income to lenders or do not require much documentation. It is a financial product commonly offered by a mortgage lender to consumers who cannot qualify for normal loan products because of fluctuating or hard-to-verify incomes, such as the self-employed, or to serve long time customers with strong credit.[1] Applicants are often required to provide a substantial down payment, i.e. a larger deposit either through equity in security or personal savings.

Self-employedunemployed, seasonal workers, and new immigrants generally struggle to meet strict requirements to qualify for loans. A loan with few to no documentation or credit history requirements is easier to qualify for, but generally carries a significantly higher interest rate.

Bank lender Financing

80/20 Loan. Like traditional bank financing. Credit report is pulled. You have to meet certain lender requirements. Terms length

can be 5years, 7 years, 10 years, 15 years, 20 years or 30 years(most right now will not do the 30 years). Fixed Rate Interest or Adjustable rate interest. 

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  • Asset-based loan — a similar type of commercial loan based on real estate, indicating the loan will be based upon a percentage of the property's appraised value, as the key criteria

  • Private money — refers to lending money to a company or individual by a private individual or organization

  • Bridge loan — a similar type of commercial loan based on real estate

  • Non-conforming loan — a loan that fails to meet bank criteria for funding

Property Types

Multifamily like a 4 plex to 10 units, etc. Single Family, Apartment Buildings, Office Buildings, Medical Building. Hotels, Motels, Malls, Strip Plaza, Store Units, Gas Stations, Construction land development, New home building, industrial like warehouse, Mixed Use Property, Land purchase, Special purpose properties include amusement parks, bowling alleys, parking lots, stadiums, theaters, zoos, and much, much more. Property Portfolio Buy, Mortgage note buy, Tape deal buys.

The Right Way to Finance or Refinance Your Next Commercial Property

Rather than pull your hair out wondering how you’re going to afford the space to house your business, come to Westport Commercial and let us take care of everything. We specialize in commercial real estate financing, and best of all is the fact that we’re familiar with both large and small transactions. See what it’s like to not have to settle for your next commercial property.

Options for Every Scenario

Over the years we’ve been in business, we’ve learned how to put together commercial real estate packages for large and small transactions with both recourse and non-recourse options. Examples of some of the business real estate lending options we offer include:

  • FHA and HUD financing for brand new properties, remodeling and acquisitions, specifically for hospitals, senior housing and multifamily rental homes.

  • Conventional loans, if you need basic commercial property lending for an owner-occupied or investment property.

  • Mezzanine and equity financing for those who need financing that’s well-tailored to their specific needs.

  • Commercial Mortgage Backed Securities, also known as CMBSs, which is when gathered business properties are shifted into a trust before you have the option of selling them to investors in the form of bonds.

  • Constructing lending, if you’d rather build your business property from scratch. Loan limits range from $10,000,000 to as much as $100,000,000.

Bridge Loans

You might be looking for a new commercial property because you’re in the midsts of selling your current one. If so, you may require a bridge loan either in addition to commercial real estate financing or instead of commercial real estate lending. Either way, you’ll have the funds you need to buy your new property while waiting to sell your old one, providing you with a stable bridge over uncertain financial waters.

Westport Commercial representatives are here to provide you with any assistance you might need. Be sure to let us know if you’d like more info about business real estate financing.

 

Turn to Our Stated Income Commercial Real Estate Loan Programs

At Westport Commercial, we understand that your business may need money for a variety of purposes such as debt consolidation, refinancing, working capital, property purchases and property improvements. One way to get that money is through a stated commercial real estate loan.

Types of Property That You Can Finance

With the loans, you finance a piece of real estate that you own. For instance, if you own an apartment building or a warehouse, you can get a certain percentage of its worth. Other property types covered include restaurants and real estate (both retail and office).

Here’s a more-detailed look at property types and how much you can expect to get for each.

  • If you own an auto service place, a self-storage business, a warehouse or office space, you can expect a loan-to-value ratio (LTV) of up to 65 percent.

  • If you have an investment property with up to four units not occupied by you, your LTV may be up to 70 percent.

  • If you own multifamily or mixed-use properties of five units or more, your LTV could be as high as 75 percent. However, for that 75 percent, you need a credit score of at least 700 and need to meet a few other qualifications.

What You Need to Qualify

When you apply for stated income commercial real estate loans, you must show a few documents. For example, you must submit a W-2 or self-employed income financials. You should also have a credit score of at least 600.

Why Stated Income Commercial Real Estate Loans?

With our stated income commercial real estate loans, you could close on a loan up to $500,000 in as little as two weeks. No matter the type of commercial property you own, odds are good we will accept it. Loan terms are for up to 25 years, and the loans are fully amortized.

Talk with us today about getting a loan!

What Are Your Options?

When it comes to real estate financing for commercial properties, we offer a variety of options. They include:

  • Bridge Loans – Our bridge and hard money loans come with high LTVs, low variable rates and can reach up to $100,000,000. With interest-only amortization, you’ll quickly acquire the working capital you need.

  • Church Financing – Whether you need to expand your facilities, refinance debt, acquire land or finance a new construction project, we can customize a solution that’s just right for your religious organization.

  • CMBS – A commercial mortgage backed security is designed with you in mind. By taking commercial properties and securitizing them into a pool, we are able to keep them in trusts and sell them to investors. This allows us to offer low rates and fixed terms.

  • Construction Loans – Our construction loans are often restructured for permanent financing. Amounts begin at $10,000,000 and can reach $100,000,000 or more.

  • Conventional Programs – Our conventional programs are for mobile home parks, multifamily units, self-storage facilities and other similar properties.

  • Equity and Mezzanine Financing – By tailoring solutions to your specific needs, we pull from capital sources that include high net worth investors to bring you the funds you need most.

  • FHA and HUD Loans – With funds that reach $50,000,000, our FHA and HUD loans are made for multifamily units, hospitals and healthcare properties. This includes acquisition, new construction or rehabilitation of the property.

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Phoenix, Arizona

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"Phoenix City" redirects here. For other uses, see Phoenix (disambiguation).

Phoenix, Arizona

State capital city

City of Phoenix

 

Images, from top, left to right: Papago ParkSaint Mary's BasilicaChase TowerDowntownArizona Science CenterRosson House, the light rail, a Saguaro cactus, and the McDowell Mountains

 

Flag

 

Seal

Nickname(s): 

"Valley of the Sun", "The Valley"

 

Location within Maricopa County

 

Phoenix

Location within Arizona

Show map of ArizonaShow map of the United StatesShow map of North AmericaShow all

Coordinates: 33°27′N 112°04′WCoordinates33°27′N 112°04′W

Country United States

State Arizona

CountyMaricopa

Settled1867

IncorporatedFebruary 25, 1881

Government

 • TypeCouncil-Manager

 • BodyPhoenix City Council

 • MayorKate Gallego

Area

[1]

 • State Capital519.11 sq mi (1,344.50 km2)

 • Land517.86 sq mi (1,341.26 km2)

 • Water1.25 sq mi (3.24 km2)

 • Metro14,565.76 sq mi (37,725.1 km2)

Elevation

[2]

1,086 ft (331 m)Population

 (2010)[3]

 • State Capital1,445,632

 • Estimate 

(2019)[4]

1,680,992

 • RankUS: 5th

 • Density3,246.02/sq mi (1,253.29/km2)

 • Urban3,629,114 (US: 12th)

 • Metro4,857,962 (US: 11th)

 • DemonymPhoenician

Time zoneUTC−7 (MST (no DST))

ZIP codes

85001–85099

Area codes

FIPS code04-55000

GNIS ID(s)447842411414

Major airportPhoenix Sky Harbor International Airport

Secondary AirportsDeer Valley Airport
Phoenix–Mesa Gateway Airport

Interstates 

U.S. Highways

State Routes     

Websitewww.phoenix.gov

Phoenix (/ˈfiːnɪks/) (Navajo: Hoozdo) is the capital and most populous city in Arizona, with 1,680,992 people (as of 2019). It is also the fifth most populous city in the United States along with being the largest state capital by population,[5] and the only state capital with a population of more than one million residents.[6][7]

Phoenix is the anchor of the Phoenix metropolitan area, also known as the Valley of the Sun, which in turn is part of the Salt River Valley. The metropolitan area is the 11th largest by population in the United States, with approximately 4.73 million people as of 2017.[8] Phoenix is the seat of Maricopa County and the largest city in the state at 517.9 square miles (1,341 km2), more than twice the size of Tucson and one of the largest cities in the United States.[9]

Phoenix was settled in 1867 as an agricultural community near the confluence of the Salt and Gila Rivers and was incorporated as a city in 1881. It became the capital of Arizona Territory in 1889.[10] It is in the northeastern reaches of the Sonoran Desert and has a hot desert climate.[11][12] Despite this, its canal system led to a thriving farming community with the original settler's crops remaining important parts of the Phoenix economy for decades, such as alfalfa, cotton, citrus, and hay.[13][14] Cotton, cattle, citrus, climate, and copper were known locally as the "Five C's" anchoring Phoenix's economy. These remained the driving forces of the city until after World War II, when high-tech companies began to move into the valley and air conditioning made Phoenix's hot summers more bearable.[15]

The city averaged a four percent annual population growth rate over a 40-year period from the mid-1960s to the mid-2000s.[16] This growth rate slowed during the Great Recession of 2007–09, and has rebounded slowly.[17] Phoenix is the cultural center of the state of Arizona.[18]

History[edit]

See also: History of Phoenix, Arizona and Timeline of Phoenix, Arizona

Early history[edit]

 

Map of Hohokam lands ca. 1350

The Hohokam people occupied the Phoenix area for 2,000 years.[19][20] They created roughly 135 miles (217 kilometers) of irrigation canals, making the desert land arable, and paths of these canals were used for the Arizona CanalCentral Arizona Project Canal, and the Hayden-Rhodes Aqueduct. They also carried out extensive trade with the nearby Ancient PuebloansMogollon, and Sinagua, as well as with the more distant Mesoamerican civilizations.[21] It is believed periods of drought and severe floods between 1300 and 1450 led to the Hohokam civilization's abandonment of the area.[22]

After the departure of the Hohokam, groups of Akimel O'odham (commonly known as Pima), Tohono O'odham, and Maricopa tribes began to use the area, as well as segments of the Yavapai and Apache.[23] The O'odham were offshoots of the Sobaipuri tribe, who in turn were thought to be the descendants of the Hohokam.[24][25][26]

The Akimel O'odham were the major group in the area. They lived in small villages with well-defined irrigation systems that spread over the Gila River Valley, from Florence in the east to the Estrellas in the west. Their crops included corn, beans, and squash for food as well as cotton and tobacco. They banded with the Maricopa for protection against incursions by the Yuma and Apache tribes.[27] The Maricopa are part of the larger Yuma people; however, they migrated east from the lower Colorado and Gila Rivers in the early 1800s, when they began to be enemies with other Yuma tribes, settling among the existing communities of the Akimel O'odham.[28][29][23]

The Tohono O'odham also lived in the region, but largely to the south and all the way to the Mexican border.[30] The O'odham lived in small settlements as seasonal farmers who took advantage of the rains, rather than the large-scale irrigation of the Akimel. They grew crops such as sweet corn, tapery beans, squash, lentils, sugar cane, and melons, as well as taking advantage of native plants such as saguaro fruits, cholla buds, mesquite tree beans, and mesquite candy (sap from the mesquite tree). They also hunted local game such as deer, rabbit, and javelina for meat.[31][32]

The Mexican–American War ended in 1848, Mexico ceded its northern zone to the United States, and the region's residents became U.S. citizens. The Phoenix area became part of the New Mexico Territory.[33] In 1863, the mining town of Wickenburg was the first to be established in Maricopa County, to the northwest of Phoenix. Maricopa County had not been incorporated; the land was within Yavapai County, which included the major town of Prescott to the north of Wickenburg.

The Army created Fort McDowell on the Verde River in 1865 to forestall Indian uprisings.[34] The fort established a camp on the south side of the Salt River by 1866, which was the first settlement in the valley after the decline of the Hohokam. Other nearby settlements later merged to become the city of Tempe.[35]

Founding and incorporation[edit]

 

The Phillip Darrell Duppa adobe house was built in 1870 and is the oldest house in Phoenix. The homestead is named after "Lord" Darrell Duppa, an Englishman who is credited with naming Phoenix and Tempe as well as founding the town of New River.

The history of the city of Phoenix begins with Jack Swilling, a Confederate veteran of the Civil War who prospected in the nearby mining town of Wickenburg in the newly formed Arizona Territory. He was traveling through the Salt River Valley in 1867 and saw a potential for farming to supply Wickenburg with food. He also noted the eroded mounds of dirt that indicated previous canals dug by native peoples who had long since left the area. He formed the Swilling Irrigation and Canal Company that year, dug a large canal that drew in river water, and erected several crop fields in a location that is now within the eastern portion of central Phoenix near its airport. Soon, other settlers began to arrive, appreciating the area's fertile soil and lack of frost, and the farmhouse that Swilling constructed became a frequently-visited location in the valley.[36][37] Lord Darrell Duppa was one of the original settlers in Swilling's party, and he suggested the name "Phoenix", as it described a city born from the ruins of a former civilization.[19]

The Board of Supervisors in Yavapai County officially recognized the new town on May 4, 1868, and the first post office was established the following month with Swilling as the postmaster.[19] In October 1870, a meeting of valley residents was held to select a new townsite for the valley's growing population. A new location three miles to the west of the original settlement, containing several allotments of farmland, was chosen, and lots began to officially be sold under the name of Phoenix in December of that year. This established the downtown core in a grid layout pattern that has been the hallmark of Phoenix's urban development ever since.

On February 12, 1871, the territorial legislature created Maricopa County by dividing Yavapai County; it was the sixth one formed in the Arizona Territory. The first election for county office was held in 1871 when Tom Barnum was elected the first sheriff. He ran unopposed when the other two candidates (John A. Chenowth and Jim Favorite) fought a duel; Chenowth killed Favorite and was forced to withdraw from the race.[19]

The town grew during the 1870s, and President Ulysses S. Grant issued a land patent for the site of Phoenix on April 10, 1874. By 1875, the town had a telegraph office, 16 saloons, and four dance halls, but the townsite-commissioner form of government needed an overhaul. An election was held in 1875, and three village trustees and other officials were elected.[19] By 1880, the town's population stood at 2,453.[38]

 

Aerial lithograph of Phoenix from 1885

By 1881, Phoenix's continued growth made the board of trustees obsolete. The Territorial Legislature passed the Phoenix Charter Bill, incorporating Phoenix and providing a mayor-council government; Governor John C. Fremont signed the bill on February 25, 1881, officially incorporating Phoenix as a city with a population of around 2,500.[19]

The railroad's arrival in the valley in the 1880s was the first of several events that made Phoenix a trade center whose products reached eastern and western markets. In response, the Phoenix Chamber of Commerce was organized on November 4, 1888.[39] The city offices moved into the new City Hall at Washington and Central in 1888.[19] The territorial capital was moved from Prescott to Phoenix in 1889, and the territorial offices were also in City Hall.[40] With the arrival of the Santa Fe, Prescott and Phoenix Railroad in 1895, Phoenix was connected to Prescott, Flagstaff, and other communities in the northern part of the territory. The increased access to commerce expedited the city's economic rise. The Phoenix Union High School was established in 1895 with an enrollment of 90.[19]

1900 to World War II[edit]

 

Central Avenue, Phoenix, 1908

On February 25, 1901, Governor Oakes Murphy dedicated the permanent Capitol building,[19] and the Carnegie Free Library opened seven years later, on February 18, 1908, dedicated by Benjamin Fowler.[41] The National Reclamation Act was signed by President Theodore Roosevelt in 1902, which allowed for dams to be built on waterways in the west for reclamation purposes.[42] The first dam constructed under the act, Salt River Dam#1, began in 1903. It supplied both water and electricity, becoming the first multi-purpose dam, and Roosevelt himself attended the official dedication on May 18, 1911. At the time, it was the largest masonry dam in the world, forming a lake in the mountain east of Phoenix.[43] The dam would be renamed after Teddy Roosevelt in 1917,[44] and the lake would follow suit in 1959.[45]

On February 14, 1912, Phoenix became a state capital, as Arizona was admitted to the Union as the 48th state under President William Howard Taft.[46] This occurred just six months after Taft had vetoed a joint congressional resolution granting statehood to Arizona, due to his disapproval of the state constitution's position regarding the recall of judges.[47] In 1913, Phoenix's move from a mayor-council system to council-manager made it one of the first cities in the United States with this form of city government. After statehood, Phoenix's growth started to accelerate, and eight years later, its population had reached 29,053. In 1920, Phoenix would see its first skyscraper, the Heard Building.[19] In 1929, Sky Harbor was officially opened, at the time owned by Scenic Airways. It would later be purchased in 1935 by the city, which operates it today.[48]

 

Phoenix skyline – ca. 1940

On March 4, 1930, former U.S. President Calvin Coolidge dedicated a dam on the Gila River named in his honor. However, the state had just been through a long drought, and the reservoir which was supposed to be behind the dam was virtually dry. The humorist Will Rogers, who was on hand as a guest speaker joked, "If that was my lake, I'd mow it."[49] Phoenix's population had more than doubled during the 1920s, and now stood at 48,118.[19] It was also during the 1930s that Phoenix and its surrounding area began to be called "The Valley of the Sun", which was an advertising slogan invented to boost tourism.[50]

During World War II, Phoenix's economy shifted to that of a distribution center, transforming into an "embryonic industrial city" with the mass production of military supplies.[19] There were three air force fields in the area: Luke FieldWilliams Field, and Falcon Field, as well as two large pilot training camps, Thunderbird Field No. 1 in Glendale and Thunderbird Field No. 2 in Scottsdale.[19][51][52]

Post-World War II explosive growth[edit]

A town that had just over 65,000 residents in 1940 became America's sixth largest city by 2010, with a population of nearly 1.5 million, and millions more in nearby suburbs. When the war ended, many of the men who had undergone their training in Arizona returned, bringing their new families. Learning of this large untapped labor pool enticed many large industries to move their operations to the area.[19] In 1948 high-tech industry, which would become a staple of the state's economy, arrived in Phoenix when Motorola chose Phoenix as the site of its new research and development center for military electronics. Seeing the same advantages as Motorola, other high-tech companies such as Intel and McDonnell Douglas also moved into the valley and opened manufacturing operations.[53][54]

By 1950, over 105,000 people resided in the city and thousands more in surrounding communities.[19] The 1950s growth was spurred on by advances in air conditioning, which allowed both homes and businesses to offset the extreme heat experienced in Phoenix and the surrounding areas during its long summers. There was more new construction in Phoenix in 1959 alone than from 1914 to 1946.[55]

Like many emerging American cities at the time, Phoenix's spectacular growth did not occur evenly. It largely took place on the city's north side, a region that was nearly all Caucasian. In 1962, one local activist testified at a US Commission on Civil Rights hearing that of 31,000 homes that had recently sprung up in this neighborhood, not a single one had been sold to an African-American.[56] Phoenix's African-American and Mexican-American communities remained largely sequestered on the south side of town. The color lines were so rigid that no one north of Van Buren Street would rent to the African-American baseball star Willie Mays, in town for spring training in the 1960s.[57] In 1964, a reporter from The New Republic wrote of segregation in these terms: "Apartheid is complete. The two cities look at each other across a golf course."[58]

1960s to present[edit]

 

Phoenix in May 1972, with South Mountain in the background.

The continued rapid population growth led more businesses to the valley to take advantage of the labor pool,[59] and manufacturing, particularly in the electronics sector, continued to grow.[60] The convention and tourism industries saw rapid expansion during the 1960s, with tourism becoming the third largest industry by the end of the decade.[61] In 1960 the Phoenix Corporate Center opened; at the time it was the tallest building in Arizona, topping off at 341 feet.[62] The 1960s saw many other buildings constructed as the city expanded rapidly, including the Rosenzweig Center (1964), today called Phoenix City Square,[63] the landmark Phoenix Financial Center (1964),[64] as well as many of Phoenix's residential high-rises. In 1965 the Arizona Veterans Memorial Coliseum opened at the Arizona State Fairgrounds, west of downtown. When Phoenix was awarded an NBA franchise in 1968, which would be called the Phoenix Suns,[65][66] they played their home games at the Coliseum until 1992, after which they moved to America West Arena.[67] In 1968, President Lyndon B. Johnson approved the Central Arizona Project, assuring future water supplies for Phoenix, Tucson, and the agricultural corridor in between them.[68][69] The following year, Pope Paul VI created the Diocese of Phoenix on December 2, by splitting the Archdiocese of Tucson, with Edward A. McCarthy as the first Bishop.[70]

In the 1970s the downtown area experienced a resurgence, with a level of construction activity not seen again until the urban real estate boom of the 2000s. By the end of the decade, Phoenix adopted the Phoenix Concept 2000 plan which split the city into urban villages, each with its own village core where greater height and density was permitted, further shaping the free-market development culture. The nine original villages [71] have expanded to 15 over the years (see Cityscape below). This officially turned Phoenix into a city of many nodes, which would later be connected by freeways. The Phoenix Symphony Hall opened in 1972;[72] other major structures which saw construction downtown during this decade were the First National Bank Plaza, the Valley Center (the tallest building in the state of Arizona),[73] and the Arizona Bank building.

On September 25, 1981, Phoenix resident Sandra Day O'Connor broke the gender barrier on the U.S. Supreme Court, when she was sworn in as the first female justice.[74] In 1985, the Palo Verde Nuclear Generating Station, the nation's largest nuclear power plant, began electrical production.[75] Pope John Paul II and Mother Teresa both visited the Valley in 1987.[76]

There was an influx of refugees due to low-cost housing in the Sunnyslope area in the 1990s, resulting in 43 different languages being spoken in local schools by the year 2000.[77] The new 20-story City Hall opened in 1992.[78]

Phoenix has maintained a growth streak in recent years, growing by 24.2% before 2007. This made it the second-fastest-growing metropolitan area in the United States, surpassed only by Las Vegas.[79] In 2008, Squaw Peak, the city's second tallest mountain, was renamed Piestewa Peak after Army Specialist Lori Ann Piestewa, an Arizonan and the first Native American woman to die in combat while serving in the U.S. military, as well as being the first American female casualty of the 2003 Iraq War.[80] 2008 also saw Phoenix as one of the cities hardest hit by the subprime mortgage crisis, and by early 2009 the median home price was $150,000, down from its $262,000 peak in 2007.[81] Crime rates in Phoenix have fallen in recent years, and once troubled, decaying neighborhoods such as South MountainAlhambra, and Maryvale have recovered and stabilized. Recently, downtown Phoenix and the central core have experienced renewed interest and growth, resulting in many restaurants, stores, and businesses opening or relocating to central Phoenix.[82]

Geography[edit]

 

Landsat 7 satellite image of the Phoenix metro area in 2002

Phoenix is in the southwestern United States, in the south-central portion of Arizona; about halfway between Tucson to the southeast and Flagstaff to the north. By car, the city is approximately 150 miles (240 kilometers) north of the US-Mexico border at Sonoyta and 180 mi (290 km) north of the border at Nogales. The metropolitan area is known as the "Valley of the Sun" due to its location in the Salt River Valley.[50] It lies at a mean elevation of 1,086 feet (331 m), in the northern reaches of the Sonoran Desert.[83]

Other than the mountains in and around the city, Phoenix's topography is generally flat, which allows the city's main streets to run on a precise grid with wide, open-spaced roadways. Scattered, low mountain ranges surround the valley: McDowell Mountains to the northeast, the White Tank Mountains to the west, the Superstition Mountains far to the east, and both South Mountain and the Sierra Estrella to the south/southwest. Camelback Mountain, North Mountain, Sunnyslope Mountain, and Piestewa Peak are within the heart of the valley. The city's outskirts have large fields of irrigated cropland and Native American reservation lands.[84] The Salt River runs westward through Phoenix, but the riverbed is often dry or contains little water due to large irrigation diversions. South Mountain separates the community of Ahwatukee from the rest of the city.

According to the United States Census Bureau, the city has an area of 517.9 square miles (1,341 km2). 516.7 square miles (1,338 km2) of it is land, and 1.2 square miles (3.1 km2, or 0.2%) of it is water.

Maricopa County grew by 811% from 186,000 in 1940 to 1,509,000 by 1980, thanks in part to air conditioning, cheap housing, and an influx of retirees. The once "modest urban sprawl" now "grew by 'epic' proportions— not only a myriad of residential tract developments on both farmland and desert." Retail outlets and office complexes spread out and did not concentrate in the small downtown area. There was low population density and a lack of widespread and significant high-rise development.[85] As a consequence Phoenix became a textbook case of urban sprawl for geographers.[86][87][88][89][90][91] Even though it is the fifth most populated city, the large area gives it a low density rate of approximately 2,797 people per square mile.[92] In comparison, Philadelphia, the sixth most populous city, has a density of over 11,000.[93]

Like most of Arizona, Phoenix does not observe daylight saving time. In 1973, Governor Jack Williams argued to the U.S. Congress that energy use would increase in the evening should Arizona observe DST. He went on to say energy use would also rise early in the day "because there would be more lights on in the early morning." Additionally, he said daylight saving time would cause children to go to school in the dark.[94]

Cityscape[edit]

See also: List of tallest buildings in Phoenix

 

A panoramic view of Phoenix from the South Mountain range, winter 2008, with Sky Harbor International Airport on the far right

Neighborhoods[edit]

 

Map of the urban villages of Phoenix

Since 1979, the city of Phoenix has been divided into urban villages, many of which are based upon historically significant neighborhoods and communities that have since been annexed into Phoenix.[95] Each village has a planning committee appointed directly by the city council. According to the city-issued village planning handbook, the purpose of the village planning committees is to "work with the city's planning commission to ensure a balance of housing and employment in each village, concentrate development at identified village cores, and to promote the unique character and identity of the villages."[96] There are 15 urban villages: Ahwatukee FoothillsAlhambraCamelback EastCentral CityDeer Valley, Desert View, EncantoEstrellaLaveenMaryvale, North Gateway, North Mountain, Paradise Valley, Rio Vista, and South Mountain.

The urban village of Paradise Valley is distinct from the nearby Town of Paradise Valley. Although the urban village is part of Phoenix, the town is independent.

In addition to the above urban villages, Phoenix has a variety of commonly referred-to regions and districts, such as DowntownMidtown, Uptown,[97] West Phoenix, North PhoenixSouth PhoenixBiltmore AreaArcadia, and Sunnyslope.

Climate[edit]

Phoenix

Climate chart (explanation)

J

F

M

A

M

J

J

A

S

O

N

D

 

 

0.9

 

 

67

46

 

 

0.9

 

 

71

49

 

 

1

 

 

77

53

 

 

0.3

 

 

85

60

 

 

0.1

 

 

95

69

 

 

0

 

 

104

78

 

 

1.1

 

 

106

83

 

 

1

 

 

104

83

 

 

0.6

 

 

100

77

 

 

0.6

 

 

89

65

 

 

0.7

 

 

76

53

 

 

0.9

 

 

66

45

Average max. and min. temperatures in °F

Precipitation totals in inches

Source: [98]

showMetric conversion

Phoenix has a hot desert climate (Köppen: BWh),[11][12] typical of the Sonoran Desert and is the largest city of America in this climatic zone.[99] Phoenix has long, extremely hot summers and short, mild winters. The city is within one of the world's sunniest regions, with its sunshine duration comparable to the Sahara region. With 3,872 hours of bright sunshine annually, Phoenix receives the most sunshine of any major city on Earth.[100] Average high temperatures in summer are the hottest of any major city in the United States.[101] On average, there are 107 days annually with a high of at least 100 °F (38 °C)[102] including most days from late May through early October. Highs top 110 °F (43 °C) an average of 18 days during the year.[103] On June 26, 1990, the temperature reached an all-time recorded high of 122 °F (50 °C).[104]

Maricopa County, which includes Phoenix, was ranked 7th for most ozone pollution in the United States according to the American Lung Association.[105] Ozone forms in sunlight, so Phoenix is particularly susceptible to ozone formation. Vehicle emissions are cited as precursors to ozone formation. Phoenix also has high levels of particulate pollution; although, cities in California lead the nation in this hazard. PM2.5 particlulate matter, which is a component of diesel engine exhaust, and larger PM10 particles, which can come from dust, can both reach concerning levels in Phoenix.[106] In fact, people, pets, and other animals exposed to high concentrations of PM10 dust particles―primarily from dust storms or from disturbed agricultural or construction sites―are at risk of contracting Valley Fever, a fungal lung infection.

Unlike most desert locations which have drastic fluctuations between day and nighttime temperatures, the urban heat island effect limits Phoenix's diurnal temperature variation. As the city has expanded, average summer low temperatures have been steadily rising. Pavement, sidewalks, and buildings store the sun's heat and radiate it at night.[107] The daily normal low remains at or above 80 °F (27 °C) for an average of 67 days per summer. On July 15, 2003, Phoenix set its record for the warmest daily low temperature, at 96 °F (36 °C).[102]

 

A 2011 haboob

The city averages approximately 300 days of sunshine, or over 85% of daylight hours, per year,[108][109] and receives scant rainfall―the average annual total at Phoenix Sky Harbor International Airport is 8.03 in (204 mm). The region's trademark dry and sunny weather is interrupted by Pacific storms in the winter and the arrival of the North American Monsoon in the summer.[110] Historically, the monsoon officially started when the average dew point was 55 °F (13 °C) for three days in a row—typically occurring in early July. In order to increase monsoon awareness and promote safety, however, the National Weather Service decreed that starting in 2008, June 15 would be the official "first day" of the monsoon, and it would end on September 30.[111] When active, the monsoon raises humidity levels and can cause heavy localized precipitation, flash floods, hail, destructive winds, and dust storms[112]—which can rise to the level of a haboob in some years.[113]

July is the wettest month (1.05 in (27 mm)), while June is the driest (0.02 in (0.51 mm)). On September 8, 2014, the city of Phoenix recorded its single highest rainfall total by the National Weather Service with 3.30 in (84 mm) breaking the 75-year-old record of 2.91 in (74 mm), set on September 4, 1939.[114] The September 2014 storm was created from the remnants of Hurricane Norbert which had moved up from the Gulf of California and flooded the city's major interstates and low-lying roadways, stranding hundreds of motorists.[110][115] On average, dew points range from 29 °F (−2 °C) in April to 57 °F (14 °C) in August.[116] Occasionally, dew points can drop as low as 0 °F (−18 °C), or they can rise as high as 70 °F (21 °C), or higher, during periods of strong monsoon activity—creating muggy conditions in the area.[117][110][118]

During prolonged periods of parched and windy conditions, desert lands in and around the city are susceptible to wildfire outbreaks. Fire risk is highest in the spring and summer months following winters with above-average precipitation, due to the resulting carpet of grass, weeds, and brush. Rugged terrain often makes firefighting efforts difficult.[119]

Generally speaking, the annual minimum temperature in Phoenix is in the mid-to-low 30s. It rarely drops to 32 °F (0 °C) or below, having done so in only seven of the years between 1995–2015 on a total of sixteen days.[102] However, peripheral portions of the greater Phoenix metropolitan area frequently see frost in the winter. The earliest freeze on record occurred on November 4, 1956, and the latest occurred on March 31, 1987. [a] The all-time lowest recorded temperature in Phoenix was 16 °F (−9 °C) on January 7, 1913, while the coldest daily high temperature ever recorded was 36 °F (2 °C) on December 10, 1898. The longest continuous stretch without a day of frost in Phoenix was over 5 years, from November 23, 1979, to January 31, 1985.[120][121]

Snow is a rare occurrence in Phoenix. Snowfall was first officially recorded in 1898, and since then, accumulations of 0.1 inches (0.25 cm) or greater have occurred only eight times. The heaviest snowstorm on record took place on January 21–22, 1937, when 1 to 4 inches (2.5 to 10.2 cm) fell in parts of the city and did not melt entirely for three days. On December 6, 1998, snow fell across the northwest portions of the city, and Sky Harbor reported a dusting of snow.[122] On December 30, 2010, and February 20, 2013, graupel fell across much of the city, although it was widely believed to be snow.[123] Most recently, on February 21–22, 2019, the far northern and northeastern sections of the metro area were blanketed with several inches of snow while Sky Harbor received record rainfall.[124]

hideClimate data for Phoenix Int'l, Arizona (1981–2010 normals,[b] extremes 1895–present)[c]

MonthJanFebMarAprMayJunJulAugSepOctNovDecYear

Record high °F (°C)88
(31)92
(33)100
(38)105
(41)114
(46)122
(50)121
(49)117
(47)116
(47)107
(42)96
(36)87
(31)122
(50)

Mean maximum °F (°C)78.7
(25.9)82.8
(28.2)90.0
(32.2)98.6
(37.0)105.9
(41.1)112.5
(44.7)114.4
(45.8)112.5
(44.7)108.6
(42.6)100.1
(37.8)88.1
(31.2)77.1
(25.1)115.2
(46.2)

Average high °F (°C)67.2
(19.6)70.7
(21.5)76.9
(24.9)85.2
(29.6)94.8
(34.9)103.9
(39.9)106.1
(41.2)104.4
(40.2)99.8
(37.7)88.5
(31.4)75.5
(24.2)66.0
(18.9)86.6
(30.3)

Average low °F (°C)45.6
(7.6)48.7
(9.3)53.5
(11.9)60.2
(15.7)69.4
(20.8)77.7
(25.4)83.5
(28.6)82.7
(28.2)76.9
(24.9)64.8
(18.2)52.7
(11.5)44.8
(7.1)63.4
(17.4)

Mean minimum °F (°C)36.2
(2.3)39.4
(4.1)43.2
(6.2)49.5
(9.7)58.0
(14.4)68.4
(20.2)73.7
(23.2)73.7
(23.2)67.1
(19.5)53.6
(12.0)40.8
(4.9)34.6
(1.4)33.5
(0.8)

Record low °F (°C)16
(−9)24
(−4)25
(−4)35
(2)39
(4)49
(9)63
(17)58
(14)47
(8)34
(1)27
(−3)22
(−6)16
(−9)

Average precipitation inches (mm)0.91
(23)0.92
(23)0.99
(25)0.28
(7.1)0.11
(2.8)0.02
(0.51)1.05
(27)1.00
(25)0.64
(16)0.58
(15)0.65
(17)0.88
(22)8.03
(204)

Average precipitation days (≥ 0.01 in)4.14.43.91.71.00.54.25.02.82.52.63.936.6

Average relative humidity (%)50.944.439.327.821.919.431.636.235.636.943.851.836.6

Average dew point °F (°C)32.4
(0.2)32.2
(0.1)32.9
(0.5)31.6
(−0.2)34.3
(1.3)39.0
(3.9)56.1
(13.4)58.3
(14.6)52.3
(11.3)43.0
(6.1)35.8
(2.1)33.1
(0.6)40.1
(4.5)

Mean monthly sunshine hours256.0257.2318.4353.6401.0407.8378.5360.8328.6308.9256.0244.83,871.6

Percent possible sunshine81848690939586878988827987

Source: NOAA (relative humidity and sun 1961–1990)[125][126][127], Weather.com[128]

hideClimate data for Phoenix

MonthJanFebMarAprMayJunJulAugSepOctNovDecYear

Mean daily daylight hours10.011.012.013.014.014.014.013.012.011.010.010.012.0

Average Ultraviolet index34681010111086436.9

Source: Weather Atlas [129]

Flora and fauna[edit]

While some of the native flora and fauna of the Sonoran Desert can be found within Phoenix city limits, most are found in the suburbs and the undeveloped desert areas that surround the city. Native mammal species include coyotejavelinabobcatmountain liondesert cottontail rabbitjackrabbitantelope ground squirrelmule deerringtailcoati, and multiple species of bats, such as the Mexican free-tailed bat and western pipistrelle, that roost in and around the city. There are many species of native birds, including Costa's hummingbirdAnna's hummingbirdGambel's quailGila woodpeckermourning dovewhite-winged dove, the roadrunner, the cactus wren, and many species of raptors, including falconshawksowlsvultures (such as the turkey vulture and black vulture), and eagles, including the golden and the bald eagle.[130][131]

The greater Phoenix region is home to the only thriving feral population of rosy-faced lovebirds in the U.S. This bird is a popular birdcage pet, native to southwestern Africa. Feral birds were first observed living outdoors in 1987, probably escaped or released pets, and by 2010 the Greater Phoenix population had grown to about 950 birds. These lovebirds prefer older neighborhoods where they nest under untrimmed, dead palm tree fronds.[132][133]

The area is also home to a plethora of native reptile species including the Western diamondback rattlesnakeSonoran sidewinder, several other types of rattlesnakes, Sonoran coral snake, dozens of species of non-venomous snakes (including the Sonoran gopher snake and the California kingsnake), the gila monsterdesert spiny lizard, several types of whiptail lizards, the chuckwalladesert horned lizardwestern banded geckoSonora mud turtle, and the desert tortoise. Native amphibian species include the Couch's spadefoot toadChiricahua leopard frog, and the Sonoran desert toad.[134]

Phoenix and the surrounding areas are also home to a wide variety of native invertebrates including the Arizona bark scorpiongiant desert hairy scorpionArizona blond tarantulaSonoran Desert centipedetarantula hawk waspcamel spider, and tailless whip scorpion. Of great concern is the presence of Africanized bees which can be extremely dangerous—even lethal—when provoked.

The Arizona Upland subdivision of the Sonoran Desert (of which Phoenix is a part) has "the most structurally diverse flora in the United States." One of the most well-known types of succulents, the giant saguaro cactus, is found throughout the city and its neighboring environs. Other native species are the organpipebarrelfishhooksenitaprickly pear and cholla cacti; ocotilloPalo Verde trees and foothill and blue paloverdeCalifornia fan palmagavessoaptree yuccaSpanish bayonetdesert spoon, and red yuccaironwoodmesquite; and the creosote bush.[135][136]

Many non-native plants also thrive in Phoenix including, but not limited to, the date palmMexican fan palmpineapple palmAfghan pineCanary Island pineMexican fencepost cactuscardon cactusacaciaeucalyptusaloebougainvilleaoleanderlantanabottlebrusholivecitrus, and red bird of paradise.

Demographics[edit]

 

Median Household Income across metro Phoenix; the darker the green, the higher the income.[137]

 

Percent of people living in poverty across metro Phoenix; the darker the red, the higher the concentration of poverty[138]

Historical population

CensusPop.%±

1870240—

18801,708611.7%

18903,15284.5%

19005,54475.9%

191011,314104.1%

192029,053156.8%

193048,11865.6%

194065,41435.9%

1950106,81863.3%

1960439,170311.1%

1970581,57232.4%

1980789,70435.8%

1990983,40324.5%

20001,321,04534.3%

20101,445,6329.4%

Est. 20191,680,992[4]16.3%

U.S. Decennial Census[139]

Phoenix is the sixth most populous city in the United States according to the 2010 United States Census, with a population of 1,445,632, making it the most populous state capital in the United States.[140] Phoenix's ranking as the sixth most populous city was a drop from the number five position it had held since the U. S. Census Bureau released population estimates on June 28, 2007. Those statistics used data from 2006, which showed Phoenix's population at 1,512,986, which put it just ahead of Philadelphia.[140] In 2016, Phoenix regained the position of 5th most populous city, with the census bureau estimating its population at 1,615,017, edging out Philadelphia with a population of 1,567,872.[141]

After leading the U.S. in population growth for over a decade, the sub-prime mortgage crisis, followed by the recession, led to a slowing in the growth of Phoenix. There were approximately 77,000 people added to the population of the Phoenix metropolitan area in 2009, which was down significantly from its peak in 2006 of 162,000.[142][143] Despite this slowing, Phoenix's population grew by 9.4% since the 2000 census (a total of 124,000 people), while the entire Phoenix metropolitan area grew by 28.9% during the same period. This compares with an overall growth rate nationally during the same time frame of 9.7%.[144][145] Not since 1940–50, when the city had a population of 107,000, had the city gained less than 124,000 in a decade. Phoenix's recent growth rate of 9.4% from the 2010 census is the first time it has recorded a growth rate under 24% in a census decade.[146] However, in 2016, Phoenix once again became the fastest growing city in the United States, adding approximately 88 people per day during the preceding year.[141]

The Phoenix Metropolitan Statistical Area (MSA) (officially known as the Phoenix-Mesa-Chandler MSA [147]), is one of 10 MSAs in Arizona, and was the 11th largest in the United States, with a 2018 U.S. Census population estimate of 4,857,962, up from the 2010 Census population of 4,192,887. Consisting of both Pinal and Maricopa counties, the MSA accounts for 65.5% of Arizona's population.[144][145] Phoenix only contributed 13% to the total growth rate of the MSA, down significantly from its 33% share during the prior decade.[146] Phoenix is also part of the Arizona Sun Corridor megaregion (MR), which is the 10th most populous of the 11 MRs, and the 8th largest by area. It had the 2nd largest growth by percentage of the MRs (behind only the Gulf Coast MR) between 2000 and 2010.[148]

 

Downtown Phoenix from an airplane, 2011

The population is almost equally split between men and women, with men making up 50.2% of city's citizens. The population density is 2,797.8 people per square mile, and the city's median age is 32.2 years, with only 10.9 of the population being over 62. 98.5% of Phoenix's population lives in households with an average household size of 2.77 people.

There were 514,806 total households, with 64.2% of those households consisting of families: 42.3% married couples, 7% with an unmarried male as head of household, and 14.9% with an unmarried female as head of household. 33.6% of those households have children below the age of 18. Of the 35.8% of non-family households, 27.1% have a householder living alone, almost evenly split between men and women, with women having 13.7% and men occupying 13.5%.

Phoenix has 590,149 housing units, with an occupancy rate of 87.2%. The largest segment of vacancies is in the rental market, where the vacancy rate is 14.9%, and 51% of all vacancies are in rentals. Vacant houses for sale only make up 17.7% of the vacancies, with the rest being split among vacation properties and other various reasons.[149]

The city's median household income was $47,866, and the median family income was $54,804. Males had a median income of $32,820 versus $27,466 for females. The city's per capita income was $24,110. 21.8% of the population and 17.1% of families were below the poverty line. Of the total population, 31.4% of those under the age of 18 and 10.5% of those 65 and older were living below the poverty line.[150]

According to the 2010 Census, the racial breakdown of Phoenix was as follows:[151]

hideRacial composition1940[152]1970[152]1990[152]2010[153]

White (includes White Hispanics)92.3%93.3%81.7%65.9%

Black or African American6.5%4.8%5.2%6.5%

Hispanic or Latino (of any race)n/a12.7%20.0%40.8%

Asian0.8%0.5%1.7%3.2%

Non-Hispanic Whitesn/a81.3%71.8%46.5%

 

Map of racial distribution in Phoenix, 2010 U.S. Census. Each dot is 25 people: White, Black, Asian Hispanic, or Other (yellow)

Phoenix's population has historically been predominantly white. From 1890 to 1970, over 90% of the citizens were white. In recent years, this percentage has dropped, reaching 65% in 2010. However, a large part of this decrease can be attributed to new guidelines put out by the U.S. Census Bureau in 1980, when a question regarding Hispanic origin was added to the census questionnaire. This has led to an increasing tendency for some groups to no longer self-identify as white, and instead categorize themselves as "other races".[152]

20.6% of the population of the city was foreign born in 2010. Of the 1,342,803 residents over 5 years of age, 63.5% spoke only English, 30.6% spoke Spanish at home, 2.5% spoke another Indo-European language, 2.1% spoke Asian or Islander languages, with the remaining 1.4% speaking other languages. About 15.7% of non-English speakers reported speaking English less than "very well". The largest national ancestries reported were Mexican (35.9%), German (15.3%), Irish (10.3%), English (9.4%), Black (6.5%), Italian (4.5%), French (2.7%), Polish (2.5%), American Indian (2.2%), and Scottish (2.0%).[154] Hispanics or Latinos of any race make up 40.8% of the population. Of these the largest groups are at 35.9% Mexican, 0.6% Puerto Rican, 0.5% Guatemalan, 0.3% Salvadoran, 0.3% Cuban.

 

Trinity Episcopal Cathedral

According to a 2014 study by the Pew Research Center, 66% of the population of the city identified themselves as Christians,[155][156] while 26% claimed no religious affiliation. The same study says other religions (including JudaismBuddhismIslam, and Hinduism) collectively make up about 7% of the population. In 2010, according to the Association of Religion Data Archives, which conducts religious census each ten years, 39% of those polled in Maricopa county considered themselves a member of a religious group. Of those who expressed a religious affiliation, the area's religious composition was reported as 35% Catholic, 22% to Evangelical Protestant denominations, 16% Latter-Day Saints (LDS), 14% to nondenominational congregations, 7% to Mainline Protestant denominations, and 2% Hindu. The remaining 4% belong to other religions, such as Buddhism and Judaism.

While the number of religious adherents increased by 103,000 during the decade, the growth did not keep pace with the county's overall population increase of almost three-quarters of million individuals during the same period. The largest aggregate increases were in the LDS (a 58% increase) and Evangelical Protestant churches (14% increase), while all other categories saw their numbers drop slightly or remain static. The Catholic Church had an 8% drop, while mainline Protestant groups saw a 28% decline.[157]

Economy[edit]

Main article: Economy of Phoenix

The early economy of Phoenix focused on agriculture and natural resources, especially the "5Cs" of copper, cattle, climate, cotton, and citrus.[15] With the establishment of the Southern Pacific rail line in 1926, the opening of the Union Station in 1923, and the creation of Sky Harbor airport by the end of the decade, the city became more easily accessible.[158] The Great Depression affected Phoenix, but Phoenix had a diverse economy and by 1934 the recovery was underway.[159][160] At the conclusion of World War II, the valley's economy surged, as many men who had completed their military training at the bases in and around Phoenix returned with their families. The construction industry, spurred on by the city's growth, further expanded with the development of Sun City. It became the template for suburban development in post-WWII America,[161] and Sun City became the template for retirement communities when it opened in 1960.[162][163] The city averaged a 4 percent annual growth rate over a 40-year period from the mid-1960s to the mid-2000s.[16]

As the national financial crisis of 2007–10 began, construction in Phoenix collapsed and housing prices plunged.[164] Arizona jobs declined by 11.8% from peak to trough; in 2007 Phoenix had 1,918,100 employed individuals, by 2010 that number had shrunk by 226,500 to 1,691,600.[165] By the end of 2015, the employment number in Phoenix had risen to 1.97 million, finally regaining its pre-recession levels,[166] with job growth occurring across the board.[167]

As of 2017, the Phoenix MSA had a Gross Domestic Product (GDP) of just under $243 billion. The top five industries were: real estate ($41.96), Finance and insurance ($19.71), manufacturing ($19.91), Retail trade ($18.64), and health care ($19.78). Government (including federal, state and local), if it had been a private industry, would have been ranked second on the list, generating $23.37 billion.[168]

In Phoenix, real estate developers face few constraints when planning and developing new projects. Accordingly, the city is prone to overbuilding during times of economic prosperity. This explains the city's higher-than-average vacancy rates.[169]

 

Office building at 3300 N. Central Avenue in downtown Phoenix

As of 2010, the top five employment categories were office and administrative support (17.8%), sales (11.6%), food preparation and serving (9%), transportation and material moving (6.1%), and management (5.8%). The single largest occupation is retail salespersons, which account for 3.7% of the workforce.[170] As of January 2016, 10.5% of the workforce were government employees, a high number because the city is both the county seat and state capital. The civilian labor force was 2,200,900, and the unemployment rate stood at 4.6%.[167]

Phoenix is home to four Fortune 500 companies: electronics corporation Avnet,[171] mining company Freeport-McMoRan,[172] retailer PetSmart,[173] and waste hauler Republic Services.[174] Honeywell's Aerospace division is headquartered in Phoenix, and the valley hosts many of their avionics and mechanical facilities.[175] Intel has one of their largest sites in the area, employing about 12,000 employees, the second largest Intel location in the country.[176] The city is also home to the headquarters of U-HAUL InternationalBest Western, and Apollo Group, parent of the University of Phoenix. US Air/American Airlines is the largest carrier at Phoenix's Sky Harbor International Airport. Mesa Air Group, a regional airline group, is headquartered in Phoenix.[177]

The military has a large presence in Phoenix, with Luke Air Force Base in the western suburbs. The city was severely impacted by the effects of the sub-prime mortgage crash. However, Phoenix has recovered 83% of the jobs lost due to the recession.[169]

Culture[edit]

Performing arts[edit]

 

Orpheum Theater – Phoenix

The city has numerous performing arts venues, most of which are in and around downtown Phoenix or Scottsdale. The Phoenix Symphony Hall is home to the Phoenix Symphony Orchestra, the Arizona Opera and Ballet Arizona.[178] The Arizona Opera company also has intimate performances at its new Arizona Opera Center, which opened in March 2013.[179] Another venue is the Orpheum Theatre, which is home to the Phoenix Opera.[180] Ballet Arizona, in addition to the Symphony Hall, also has performances at the Orpheum Theatre as well at the Dorrance Theater. Concerts also regularly make stops in the area. The largest downtown performing art venue is the Herberger Theater Center, which houses three performance spaces and is home to two resident companies, the Arizona Theatre Company and the Centre Dance Ensemble. Three other groups also use the facility: Valley Youth Theatre, iTheatre Collaborative[181] and Actors Theater.[182]

Concerts can be attended at Talking Stick Resort Arena and Comerica Theatre in downtown Phoenix, Ak-Chin Pavilion in Maryvale, Gila River Arena in Glendale, and Gammage Auditorium in Tempe (the last public building designed by Frank Lloyd Wright).[183] Several smaller theaters including Trunk Space, the Mesa Arts Center, the Crescent Ballroom, Celebrity Theatre, and Modified Arts support regular independent musical and theater performances. Music can also be seen in some of the venues usually reserved for sports, such as the Wells Fargo Arena and State Farm Stadium.[184]

Several television series have been set in Phoenix, including Alice (1976–85), the 2000s paranormal drama Medium, the 1960–61 syndicated crime drama The Brothers Brannagan, and The New Dick Van Dyke Show from 1971 to 1974.

Museums[edit]

Dozens of museums exist throughout the valley. They include the Phoenix Art MuseumArizona Capitol MuseumScottsdale Museum of Contemporary Art, Arizona Military Museum, Hall of Flame Firefighting Museum, the Pueblo Grande Museum Archaeological ParkChildren's Museum of PhoenixArizona Science Center, and the Heard Museum. In 2010, the Musical Instrument Museum opened their doors, featuring the biggest musical instrument collection in the world.[185] In 2015 the Children's Museum of Phoenix was recognized as one of the top three children's museums in the United States.[186]

Designed by Alden B. Dow, a student of Frank Lloyd Wright, the Phoenix Art Museum was constructed in a single year, opening in November 1959.[187] The Phoenix Art Museum has the southwest's largest collection of visual art, containing more than 17,000 works of contemporary and modern art from around the world.[188][189][190] Interactive exhibits can be found in nearby Peoria's Challenger Space Center, where individuals learn about space, renewable energies, and meet astronauts.[191]

The Heard Museum has over 130,000 sq ft (12,000 m2) of gallery, classroom and performance space. Some of the museum's signature exhibits include a full Navajo hogan, the Mareen Allen Nichols Collection of 260 pieces of contemporary jewelry, the Barry Goldwater Collection of 437 historic Hopi kachina dolls, and an exhibit on the 19th-century boarding school experiences of Native Americans. The Heard Museum attracts about 250,000 visitors a year.[192]

Fine arts[edit]

The downtown Phoenix art scene has developed in the past decade. The Artlink organization and the galleries downtown have launched a First Friday cross-Phoenix gallery opening, as well as hosting Art Detour which has become central to the city's cultural identity.[193] In April 2009, artist Janet Echelman inaugurated her monumental sculpture, Her Secret Is Patience, a civic icon suspended above the new Phoenix Civic Space Park, a two-city-block park in the middle of downtown. This netted sculpture makes the invisible patterns of desert wind visible to the human eye. During the day, the 100-foot (30 m)-tall sculpture hovers high above heads, treetops, and buildings, the sculpture creates what the artist calls "shadow drawings", which she says are inspired by Phoenix's cloud shadows. At night, the illumination changes color gradually through the seasons. Author Prof. Patrick Frank writes of the sculpture that "... most Arizonans look on the work with pride: this unique visual delight will forever mark the city of Phoenix just as the Eiffel Tower marks Paris."[194]

Architecture[edit]

 

The "Xeros Residence" in Phoenix[195]

Phoenix is the home of a unique architectural tradition and community. Frank Lloyd Wright moved to Phoenix in 1937 and built his winter home, Taliesin West, and the main campus for The Frank Lloyd Wright School of Architecture.[196] Over the years, Phoenix has attracted notable architects who have made it their home and grown successful practices. These architectural studios embrace the desert climate, and are unconventional in their approach to the practice of design. They include the Paolo Soleri (who created Arcosanti),[197] Al Beadle,[198] Will Bruder,[199] Wendell Burnette,[200] and Blank Studio architectural design studios.[201] Another major force in architectural landscape of the city was Ralph Haver whose firm, Haver & Nunn, designed commercial, industrial and residential structures throughout the valley. Of particular note was his trademark, "Haver Home", which were affordable contemporary-style tract houses.[202]

Tourism[edit]

 

The Arizona Biltmore Hotel

The tourist industry is the longest running of today's top industries in Phoenix. Starting with promotions back in the 1920s, the industry has grown into one of the top 10 in the city.[203] Due to its climate, Phoenix and its neighbors have consistently ranked among the nation's top destinations in the number of Five Diamond/Five Star resorts.[204] With more than 62,000 hotel rooms in over 500 hotels and 40 resorts, greater Phoenix sees over 16 million visitors each year, most of whom are leisure (as opposed to business) travelers. Sky Harbor Airport, which serves the Greater Phoenix area, serves about 40 million passengers a year, ranking it among the 10 busiest airports in the nation.[205]

One of the biggest attractions of the Phoenix area is golf, with over 200 golf courses.[204] In addition to the sites of interest in the city, there are many attractions near Phoenix, such as Agua Fria National MonumentArcosantiCasa Grande Ruins National MonumentLost Dutchman State ParkMontezuma's CastleMontezuma's Well, and Organ Pipe Cactus National Monument. Phoenix also serves as a central point to many of the sights around the state of Arizona, such as the Grand CanyonLake Havasu (where the London Bridge is located), Meteor Crater, the Painted Desert, the Petrified ForestTombstoneKartchner CavernsSedona and Lowell Observatory in Flagstaff.

Other attractions and annual events[edit]

Due to its natural environment and climate, Phoenix has a number of outdoor attractions and recreational activities. The Phoenix Zoo is the largest privately owned, non-profit zoo in the United States. Since opening in 1962, the zoo has developed an international reputation for its efforts on animal conservation, including breeding and reintroducing endangered species back into the wild.[206] Right next to the zoo, the Phoenix Botanical Gardens were opened in 1939, and are acclaimed worldwide for their art and flora exhibits and educational programs, featuring the largest collection of arid plants in the U.S.[207][208][209] South Mountain Park, the largest municipal park in the U.S., is also the highest desert mountain preserve in the world.[210]

Other popular sites in the city are Japanese Friendship Garden, Historic Heritage Square, Phoenix Mountains ParkPueblo Grande MuseumTovrea CastleCamelback MountainHole in the RockMystery CastleSt. Mary's BasilicaTaliesin West, and the Wrigley Mansion.[211]

Many annual events in and near Phoenix celebrate the city's heritage and its diversity. They include the Scottsdale Arabian Horse Show, the world's largest horse show; Matsuri, a celebration of Japanese culture; Pueblo Grande Indian Market, an event highlighting Native American arts and crafts; Grand Menorah Lighting, a December event celebrating Hanukah; ZooLights, a December evening event at the Phoenix Zoo that features millions of lights; the Arizona State Fair, begun in 1884; Scottish Gathering & Highland Games, an event celebrating Scottish heritage; Estrella War, a celebration of medieval life; Tohono O'odham Nation Rodeo & Fair, Oldest Indian rodeo in Arizona; and the Chinese Week & Culture & Cuisine Festival, a celebration of Chinese culture.[212][213][214][215]

Cuisine[edit]

Like many other western towns, Phoenix's earliest restaurants were often steakhouses. Today, Phoenix is also renowned for its Mexican food, thanks to its large Hispanic population and its proximity to Mexico. Some of Phoenix's restaurants have a long history. The Stockyards steakhouse dates to 1947, while Monti's La Casa Vieja (Spanish for "The Old House") was in operation as a restaurant since the 1890s, but closed its doors November 17, 2014.[216][217] Macayo's (a Mexican restaurant chain) was established in Phoenix in 1946, and other major Mexican restaurants include Garcia's (1956) and Manuel's (1964).[218] The recent population boom has brought people from all over the nation, and to a lesser extent from other countries, and has since influenced the local cuisine. Phoenix boasts cuisines from all over the world, such as KoreanbarbecueCajun/CreoleGreekHawaiianIrishJapanesesushiItalianfusionPersianIndian (South Asian)SpanishThaiChinesesouthwesternTex-MexVietnameseBrazilian, and French.[219]

The first McDonald's franchise was sold by the McDonald brothers to a Phoenix entrepreneur in 1952. Neil Fox paid $1,000 for the rights to open an establishment based on the McDonald brothers' restaurant.[220] The hamburger stand opened in 1953 on the southwest corner of Central Avenue and Indian School Road, on the growing north side of Phoenix, and was the first location to sport the now internationally known golden arches, which were initially twice the height of the building. Three other franchise locations opened that year, two years before Ray Kroc purchased McDonald's and opened his first franchise in Chicago, Illinois.[220]

Sports[edit]

Main article: Sports in Phoenix

Major league[edit]

See also: U.S. cities with teams from four major sports

Phoenix is home to several professional sports franchises, and is one of only 13 U.S. metropolitan areas to have representatives of all four major professional sports leagues, although only one of these teams actually carry the city name and two of them play within the city limits.[221][222]

 

Talking Stick Resort Arena in downtown Phoenix

The Phoenix Suns were the first major sports team in Phoenix, being granted a National Basketball Association (NBA) franchise in 1968.[223] They had originally played at the Arizona Veterans Memorial Coliseum before moving to America West Arena (now Talking Stick Resort Arena) in 1992.[224] The year following their move to the new arena, the Suns made it to the NBA finals for the second time in franchise history, losing to Michael Jordan's Chicago Bulls, 4 games to 2.[225] The U.S. Airways Center hosted both the 1995 and the 2009 NBA All-Star Games.[226]

In 1997, the Phoenix Mercury were one of the original eight teams to launch the Women's National Basketball Association (WNBA).[227] They also play at Talking Stick Resorts Arena. They have won the WNBA championship three times: first in 2007 when they defeated the Detroit Shock,[228] again in 2009 when they defeated the Indiana Fever,[229] and in 2014 when they swept the Chicago Sky.[230]

 

State Farm Stadium on the game day of Super Bowl XLII (February 3, 2008)

The Arizona Diamondbacks of Major League Baseball began play as an expansion team in 1998. The team has played all of its home games in the same downtown park, now known as Chase Field.[231][232] It is the second highest stadium in the U.S. (after Coors Field in Denver), and is known for its swimming pool beyond the outfield fence.[233] In 2001, the Diamondbacks defeated the New York Yankees 4 games to 3 in the World Series,[234] becoming the city's first professional sports franchise to win a national championship while in Arizona. The win was also the fastest an expansion team had ever won the World Series, surpassing the old mark of the Florida Marlins of 5 years, set in 1997.[235]

The Arizona Cardinals are the oldest continuously run professional football franchise in the nation. Founded in 1898 in Chicago, they moved to Phoenix from St. Louis in 1988 and play in the Western Division of the National Football League's National Football Conference. Upon their move to Phoenix, the Cardinals played their home games at Sun Devil Stadium on the campus of Arizona State University in nearby Tempe. In 2006, they moved to the new State Farm Stadium in suburban Glendale.[236] Since moving to Phoenix, the Cardinals have made one championship appearance, Super Bowl XLIII in 2009, where they lost 27–23 to the Pittsburgh Steelers.[237]

 

Gila River Arena in Glendale

Sun Devil Stadium held Super Bowl XXX in 1996. State Farm Stadium hosted Super Bowl XLII in 2008, and Super Bowl XLIX in 2015.[238] It was also selected to host Super Bowl LVII.[239]

The Arizona Coyotes of the National Hockey League moved to the area in 1996,[240] formerly known as the Winnipeg Jets. They originally played their home games at America West Arena in downtown Phoenix before moving in December 2003 to the Jobing.com Arena (now named the Gila River Arena) in Glendale.[241]

In 2018, the now-defunct Alliance of American Football announced the league's Phoenix franchise, the Arizona Hotshots, would begin playing in 2019.[242]

Professional teams in the Phoenix area

ClubSportLeagueVenueTitles

Arizona CardinalsFootballNFLState Farm Stadium2*

Arizona DiamondbacksBaseballMLBChase Field1

Phoenix SunsBasketballNBATalking Stick Resort Arena0

Arizona CoyotesIce hockeyNHLGila River Arena0

Phoenix MercuryBasketballWNBATalking Stick Resort Arena3

Arizona RattlersIndoor footballIFLTalking Stick Resort Arena6

Phoenix Rising FCSoccerUSLPhoenix Rising FC Soccer Complex0

*Note: The Cardinals won two of their championships while in Chicago, pre-modern era.

Other sports[edit]

The Phoenix area hosts two annual college football bowl games: the Fiesta Bowl, played at State Farm Stadium,[243] and the Cheez-It Bowl, held at Sun Devil Stadium (though Chase Field has substituted as host while ASU's football stadium undergoes renovations).[244]

Phoenix has an indoor football team, the Arizona Rattlers of the Indoor Football League. Their games are also played at Talking Stick Resort Arena. They played in the Arena Football League from 1992 to 2016 and had won five AFL championships before leaving the league.[245]

The Greater Phoenix area is home to the Cactus League, one of two spring training leagues for Major League Baseball. With the move by the Colorado Rockies and the Diamondbacks to their new facility in the Salt River Indian Community, the league is entirely based in the Greater Phoenix area. With the Cincinnati Reds' move to Goodyear, half of MLB's 30 teams are now included in the Cactus League.[246]

Phoenix International Raceway (was built in 1964 with a one-mile (1.6 km) oval, with a one-of-a-kind design, as well as a 2.5-mile (4.0 km) road course.[247] It hosts several NASCAR events per season, and the annual Fall NASCAR weekend, which includes events from four different NASCAR classes, is a huge event.[248][249] Wild Horse Pass Motorsports Park (formerly Firebird International Raceway) hosts NHRA events in the Phoenix metropolitan area.

The city also hosts several major professional golf events, including the LPGA's Founder's Cup[250] and, since 1932, The Phoenix Open of the PGA Tour.[251] The Phoenix Marathon is a new addition to the city's sports scene, and is a qualifier for the Boston Marathon.[252] The Rock 'n' Roll Marathon series has held an event in Phoenix every January since 2004.[253] Phoenix is also home to a soccer club, Phoenix Rising FC.[254]

Parks and recreation[edit]

 

Camelback Mountain

Phoenix is home to a large number of parks and recreation areas. The city of Phoenix includes national parks, county (Maricopa County) parks and city parks. Tonto National Forest forms part of the city's northeast boundary, while the county has the largest park system in the country.[255]

The city park system established to preserve the desert landscape in areas that would otherwise have succumbed to development includes South Mountain Park, the world's largest municipal park with 16,500 acres (67 km2).[256] The system's 182 parks contain over 41,900 acres (16,956 ha), making it the largest municipal park system in the country.[257] The park system has facilities for hiking, camping, swimming, horseback riding, cycling, and climbing.[258] Some of the system's other notable parks include Camelback MountainEncanto Park (another large urban park) and Sunnyslope Mountain, also known as "S" Mountain.[259] Papago Park in east Phoenix is home to both the Desert Botanical Garden and the Phoenix Zoo, in addition to several golf courses and the Hole-in-the-Rock geological formation. The Desert Botanical Garden, which opened in 1939, is one of the few public gardens in the country dedicated to desert plants, and displays desert plant life from all over the world.

The Phoenix Zoo is the largest privately owned non-profit zoo in the United States and is internationally known for its programs devoted to saving endangered species.[260]

Government[edit]

See also: List of mayors of Phoenix, Arizona

 

The Arizona State Capitol, which used to house the state legislature, is now a museum.

In 1913, Phoenix adopted a new form of government, switching from the mayor-council system to the council-manager system, making it one of the first cities in the United States with this form of city government, where a city manager supervises all city departments and executes the policies adopted by the council.[261][262] Today, Phoenix represents the largest municipal government of this type in the country.[263]

The city council consists of a mayor and eight city council members. While the mayor is elected in a citywide election, Phoenix City Council members are elected by votes only in the districts they represent, with both the Mayor and the Council members serving four-year terms.[264] The mayor of Phoenix is Kate Gallego. The mayor and city council members each have equal voting power in regards to setting city policy and passing rules and regulations.[264] Sunshine Review gave the city's website a Sunny Award for its transparency efforts.[265]

State government facilities[edit]

 

Phoenix City Hall, showing the city's logo, the phoenix bird

As the capital of Arizona, Phoenix houses the state legislature,[266] along with numerous state government agencies, many of which are in the State Capitol district immediately west of downtown. The Arizona Department of Juvenile Corrections operates the Adobe Mountain and Black Canyon Schools in Phoenix.[267] Another major state government facility is the Arizona State Hospital, operated by the Arizona Department of Health Services. This is a mental health center and is the only medical facility run by the state government.[268] The headquarters of numerous Arizona state government agencies are in Phoenix, with many in the State Capitol district.

Federal government facilities[edit]

The Federal Bureau of Prisons operates the Federal Correctional Institution (FCI) Phoenix, which is within the city limits, near its northern boundary.[269]

The Sandra Day O'Connor U.S. Courthouse, the U.S. District Court of Arizona, is on Washington Street downtown. It is named in honor of retired U.S. Supreme Court Justice Sandra Day O'Connor, who was raised in Arizona.[270]

The Federal Building is at the intersection of Van Buren Street and First Avenue downtown. It contains various federal field offices and the local division of the U.S. Bankruptcy Court.[271] This building formerly housed the U.S. District Court offices and courtrooms, but these were moved in 2001 to the new Sandra Day O'Connor U.S. Courthouse. Before the construction of this building in 1961, federal government offices were housed in the historic U.S. Post Office on Central Avenue, completed in the 1930s.[272]

Crime[edit]

 

Arizona State Capitol Executive Tower at 1700 W. Washington St.

Main article: Crime in Phoenix

By the 1960s, crime was a major problem in Phoenix, and by the 1970s crime continued to increase in the city at a faster rate than almost anywhere else in the country.[273] It was during this time frame when an incident occurred in Phoenix which would have national implications. On March 16, 1963, Ernesto Miranda was arrested and charged with rape. The subsequent Supreme Court ruling on June 13, 1966, Miranda v. Arizona, has led to practice in the United States of issuing a Miranda Warning to all suspected criminals.[274]

With Phoenix's rapid growth, one of the prime areas of criminal activity was land fraud. The practice became so widespread that newspapers would refer to Phoenix as the Tainted Desert.[275] These land frauds led to one of the more infamous murders in the history of the valley, when Arizona Republic writer Don Bolles was murdered by a car bomb in 1976.[276][277] It was believed his investigative reporting on organized crime and land fraud in Phoenix made him a target.[278][279][280] Bolles was the only reporter from a major U.S. newspaper to be murdered on U.S. soil due to his coverage of a story.[278] Max Dunlap was convicted of first-degree murder in the case.[280]

Street gangs and the drug trade had turned into public safety issues by the 1980s, and the crime rate in Phoenix continued to grow.[281] After seeing a peak in the early and mid-1990s, the city has seen a general decrease in crime rates. The Maricopa County Jail system is the fourth-largest in the country.[282] The violent crime rate peaked in 1993 at 1146 crimes per 100,000 people, while the property crime rate peaked a few years earlier, in 1989, at 9,966 crimes per 100,000.[283]

In the most recent numbers from the FBI (2012), those rates stand at 637 and 4091, respectively. Since their peak in 2003, murders have dropped from 241 to 114 in 2014.[283][284]

In 2001 and 2002, Phoenix ranked first in the nation in vehicle thefts, with over 22,000 and 25,000 cars stolen each year respectively.[285] It has declined every year since then, eventually falling to 7,200 in 2014, a drop of almost 70% during that timeframe.[284] The Phoenix MSA has dropped to 70th in the nation in terms of car thefts in 2012.[286]

As the first decade of the new century ended, Arizona had become the gateway to the U.S. for drug trafficking.[287] Another crime issue related to the drug trade are kidnappings. In the late 2000s, Phoenix earned the title "Kidnapping capital of the USA".[288] Most of the kidnapped are believed to be victims of human smuggling, or related to illegal drug trade, while the kidnappers are believed to be part of Mexican drug cartels.[287]

Cultural heritage resources[edit]

Arizona has museums, journals, societies, and libraries that serve as sources of important cultural heritage knowledge. They include the Arizona State Archives Historic Photographs Memory Project,[289] which includes over 90,000 images that focus on the unique history of Arizona as a state and territory, the Arizona Historical Society,[290] the Journal of Arizona History,[291] and numerous museum databases.

Education[edit]

See also: List of school districts in Phoenix, Arizona

33 school districts provide public education in the Phoenix area. This is a legacy of numerous annexations over the years; many of the school districts were in existence prior to their territories becoming part of Phoenix.

There are 21 elementary school districts, which have over 215 elementary schools, paired with 4 high school districts with 31 high schools serving Phoenix. Three of the high school districts (Glendale UnionTempe Union, and Tolleson Union) only partially serve Phoenix. In addition, there are 4 unified districts, which cover grades K-12, which add an additional 58 elementary schools and 4 high schools to Phoenix's educational system. Of those four, only the Paradise Valley district completely serves Phoenix.[292] With over 27,000 students, and spread over 220 square miles, Phoenix Union High School District is one of the largest high school districts in the country, containing 16 schools and nearly 3,000 employees.[293] Phoenix is also served by an expanding number of charter schools, with well over 100 operating in the city.[294]

Post-secondary education[edit]

 

The campus of ASU from Tempe Butte in nearby Tempe

Arizona State University is the region's largest institution of higher education. While its main campus is in Tempe, ASU also has campuses in northwest Phoenix (ASU West Campus), downtown Phoenix (ASU Downtown Campus), Mesa (ASU Polytechnic Campus), and Glendale (Thunderbird School of Global Management).[295] ASU is one of the largest public universities in the U.S., with a 2012 enrollment of 72,254.

An independent, LCME accredited, four-year medical school of the University of Arizona College of Medicine is near ASU's downtown Phoenix campus.[296][297] There is also a small satellite Phoenix Biomedical Campus for Northern Arizona University (based in Flagstaff).[298][299]

The Maricopa County Community College District includes ten community colleges and two skills centers throughout Maricopa County, providing adult education and job training. Phoenix College, part of the district, was founded in 1920 and is the oldest community college in Arizona and one of the oldest in the country.[300]

 

Thunderbird control tower-Thunderbird School of Global Management

The city is also home to many other institutions of higher learning. Notable institutions include: Barrow Neurological Institute, the world's largest neurological disease treatment and research institution;[301] Grand Canyon University, a private Christian university initially founded in 1949 as a non-profit school,[302] it now operates as a for-profit institution;[303] the University of Phoenix is the nation's largest for-profit university with over 300,000 students at campuses throughout North America, as well as online; and the Arizona Summit Law School, a private, for-profit law school in downtown Phoenix.[304]

Media[edit]

See also: List of radio stations in Arizona and List of films shot in Arizona

Phoenix's first newspaper was the weekly Salt River Valley Herald, established in 1878, which would change its name the following year to the Phoenix Herald. The paper would go through several additional name changes in its early years before finally settling on the Phoenix Herald, which still exists today in an online form.[305] Today, the city is served by one major daily newspaper: The Arizona Republic, which along with its online entity, azcentral.com, serves the greater metropolitan area.[306][307] The Jewish News of Greater Phoenix is an independent weekly newspaper established in 1948. In addition, the city is also served by numerous free neighborhood papers and alternative weeklies such as the Phoenix New Times' the East Valley Tribune, which primarily serves the cities of the East Valley; and Arizona State University's The State Press.[308]

The Phoenix metro area is served by many local television stations and is the largest designated market area (DMA) in the Southwest, and the 12th largest in the U.S., with over 1.8 million homes (1.6% of the total U.S.).[309] The major network television affiliates are KNXV 15 (ABC), KPHO 5 (CBS), KPNX 12 (NBC), KSAZ 10 (Fox), KASW 61 (The CW), KUTP 45 (MyNetworkTV), and KAET 8 (PBS, operated by Arizona State University). Other network television affiliates operating in the area include KPAZ 21 (TBN), KTVW-DT 33 (Univision), KFPH-DT (UniMás), KTAZ 39 (Telemundo), KDPH 48 (Daystar), and KPPX-TV 51 (ION). KTVK 3 (3TV) and KAZT 7 (AZ-TV) are independent television stations operating in the metro area. KSAZ-TVKUTPKPAZ-TVKTVW-DTKFPH-DTKTAZKDPH-LP, and KPPX-TV are network owned-and-operated stations.

Many major feature films and television programs have been filmed in the city. From the opening sequences in Psycho,[310] to the night attack by the aliens in 1953's The War of the Worlds,[311] to freeway scenes in Little Miss Sunshine,[310] Phoenix has been the location for numerous major feature films. Other notable pictures filmed at least partially in Phoenix include Raising ArizonaA Home at the End of the World,[311] Bill & Ted's Excellent AdventureDays of ThunderThe GauntletThe GriftersWaiting to Exhale and Bus Stop.[312]

The radio airwaves in Phoenix cater to a wide variety of musical and talk radio interests. Stations include classic rock formats of KOOL-FM and KSLX-FM, to pop stations like KYOT and alternative stations like KDKB-FM, to the talk radio of KFYI-AM and KKNT-AM, the pop and top 40 programming of KZZP-FM and KALV-FM, and the country sounds of KMLE-FM. With its large Hispanic population there are numerous Spanish stations, such as KHOT-FM and KOMR-FM.[313]

Infrastructure[edit]

Transportation[edit]

Air[edit]

 

An aerial view of the control tower at Phoenix Sky Harbor that began operations on January 17, 2007.

Phoenix Sky Harbor International Airport (IATA: PHX, ICAO: KPHX), one of the ten busiest airports in the United States, serves over 110,000 people on over 1000 flights per day.[314] Centrally located in the metro area near several major freeway interchanges east of downtown Phoenix, the airport serves more than 100 cities with non-stop flights.[315]

Air CanadaBritish AirwaysCondorVolaris, and WestJet are among several international carriers as well as American carrier American Airlines (which maintains a hub at the airport) that provide flights to destinations such as Canada, Costa Rica, Mexico, and London.[316] In addition to American, other domestic carriers include Alaska AirlinesDeltaFrontierHawaiianJetBlueSouthwestSpiritSun Country, and United.[317]

The Phoenix-Mesa Gateway Airport (IATA: AZA, ICAO: KIWA) in neighboring Mesa also serves the area's commercial air traffic. It was converted from Williams Air Force Base, which closed in 1993. The airport has recently received substantial commercial service with Allegiant Air opening a hub operation at the airport with non-stop service to over a dozen destinations.[318][319]

Smaller airports that primarily handle private and corporate jets include Phoenix Deer Valley Airport, in the Deer Valley district of north Phoenix, and Scottsdale Airport, just east of the Phoenix/Scottsdale border. There are also other municipal airports including Glendale Municipal AirportFalcon Field Airport in Mesa, and Phoenix Goodyear Airport.

Rail and bus[edit]

 

Union Station Phoenix – 2009

Amtrak served Phoenix Union Station until 1996 when the Union Pacific Railroad (UP) threatened to abandon the route between Yuma, Arizona and Phoenix.[320] Amtrak rerouted trains to Maricopa, 30 miles (48 km) south of downtown Phoenix, where passengers can board the Texas Eagle (Los Angeles-San Antonio-Chicago) and Sunset Limited (Los Angeles-New Orleans).[321][322] Though UP retained the trackage and the station remains, Amtrak did not return.

Amtrak Thruway buses connect Phoenix Sky Harbor International Airport to Flagstaff for connection with the Los Angeles-Chicago Southwest Chief.[323] Phoenix is also served by Greyhound bus service, which stops at 24th Street near the airport.[324]

 

Valley Metro Rail station – 2009

Valley Metro provides public transportation throughout the metropolitan area, with its trains, buses, and a ride-share program. 3.38% of workers commute by public transit. Valley Metro's 20-mile (32 km) light rail project, called Valley Metro Rail, through north-central Phoenix, downtown, and eastward through Tempe and Mesa, opened December 27, 2008. Future rail segments of more than 30 miles (48 km) are planned to open by 2030.[325]

Roads and freeways[edit]

Main article: Roads and freeways in metropolitan Phoenix

Phoenix auto traffic depends on both freeways and surface streets. Freeways fall under the auspices of the Arizona Department of Transportation (ADOT). Phoenix ranks first in the nation in the quality of its urban freeways, and the state as a whole ranks first in the nation in the quality of bridges.[326] While being the fifth most populous city in the nation, Phoenix's freeways do not suffer from the same type of congestion seen in other large cities. In fact, in a recent study, there is not a single stretch of freeway in Phoenix ranked in the 100 worst freeways for either congestion or unreliability.[327]

 

The Stack (Interstates 10 and 17) interchange at night in 2012

Part of the reason for this is the extensive freeway system in the city, due to most of that system being funded by local, rather than federal funds, through a half-cent general sales tax measure approved by voters in 1985.[328] Another offshoot of this local funding is that Phoenix is the largest city in the United States to have two Interstate Highways but no three-digit interstates.[329]

As of 2005, the metropolitan area of Phoenix contains one of the nation's largest and fastest growing freeway systems, consisting of over 1,405 lane miles (2,261 lane km).[330] The freeway system is a mix of Interstate, U.S., and state highways which include Interstate 10Interstate 17US 60Loop 101Loop 202SR 51SR 143, and Loop 303. There are still major additions to routes 101, 202 and 303 underway, as well as several other smaller projects around the valley.[331] State Routes 8785, and 74 connect Phoenix with other areas of the Valley and Arizona.[332]

The street system in Phoenix (and some of its suburbs) is laid out in a grid system, with most roads oriented either north–south or east–west, and the zero point of the grid being the intersection of Central Avenue and Washington Street.[332] The one notable exception to this is the diagonal Grand Avenue, which runs northwest–southeast. The original plan was for the east–west streets to be named after U.S. Presidents, with the north–south streets named after Native Americans; but the north–south streets were quickly changed to numbers, with numbered Avenues running to the west of Central, and numbered Streets to its east.[19] Major arterial streets are spaced one mile (1.6 km) apart, divided into smaller blocks approximately every 1⁄8 mile (200 m). For example, Scottsdale Road, being the 7200 block east, lies nine miles (14 km) to the east of Central Avenue (72 / 8).[332]

Freeways and state highways in Phoenix:[332]

Alternate forms of transportation[edit]

The Maricopa Association of Governments has a bicycle advisory committee working to improve conditions for bicycling on city streets and off-road paths.[333] Bicycling Magazine ranked Phoenix the 15th most bicycle friendly city of 50 cities in the United States with a population greater than 100,000.[334]

Utilities[edit]

 

Central Arizona Project (CAP) canal

Being in the desert, Phoenix relies on a water supply delivered to the city via a system of canals which divert water from the region's rivers and lakes, with the largest portion of the city's water coming from the Colorado River through the Central Arizona Project's canal.[335] The city's electrical needs are served primarily by Arizona Public Service, although some customers receive their electricity from the Salt River Project (SRP). The main sources of electrical generation are nuclear and coal power plants. Arizona is home to the Palo Verde Nuclear Generating Station, the largest nuclear-generating facility in the United States. SRP is also the largest water provider in Phoenix.[336]

Health care[edit]

Main articles: List of hospitals in Phoenix and List of hospitals in Arizona

In 2011 (the last year for which information is available), Phoenix had a slightly younger population than the country as a whole. While the United States had 13.3% of its population over the age of 65, Phoenix's percentage stood significantly lower, at 8.1%. Phoenix's percentage of 18.8% in the next age group, 45–64 was also a great deal lower than the national average of 26.6%. This results in 73% of Phoenix's population being 44 or younger, as compared to the national percentage of 60.[337]

In 2010 (the last year for nationally reported figures), Phoenix was at or below national levels for most reportable diseases, with the exception of both hepatitis A and B, where they were slightly over the national average (0.8 and 1.8 to 0.5 and 1.1%, respectively).[338]

 

Maricopa Medical Center

In most major categories, Phoenix had a lower incidence of death than the rest of the nation. Only deaths due to Alzheimer's (29.7 to 27.2 deaths per 100,000) and pre-natal conditions (5.3 to 3.8 deaths per 100,000) were slightly above the national average. Deaths due to HIV and liver disease were exactly at the national average of 2.5 and 10.8 respectively. However, in several major categories, Phoenix had significantly lower indices of death: deaths by cancer stood at only 57% (106) of the national average of 184.6 deaths per 100,000; deaths due to heart disease, 56.1% of the national rate of 249.8 per 100,000.[339] Cancer and heart disease were the two top causes of death in the country.[340]

Low-weight births (7.5%) were below the national average of 8.1%, yet infant mortality (7.2%) was higher than the rest of the U.S. (6.1%). Births to teen mothers were significantly higher than the rest of the country, sitting at 12.2% as compared to 8.4% nationally.[337]

The Phoenix metropolitan area is serviced by 56 hospitals and medical centers.[341] The Mayo Clinic, a not-for-profit medical practice and medical research group based in Rochester, Minnesota. Phoenix is one of two other locations with Mayo Clinic campuses (the other being Jacksonville, Florida).[342] It is the first and largest integrated not-for-profit medical group practice in the world; Mayo Clinic has been near or at the top of the U.S. News & World Report List of "Best Hospitals" for more than 20 years.[343] St. Joseph's Hospital and Medical Center is part of Dignity Health (formerly Catholic Healthcare West), one of the largest healthcare systems in the western United States. St. Joseph's is a not-for-profit hospital with special advocacy for the poor and underserved. John C. Lincoln North Mountain Hospital is a general medical and surgical hospital, which performed nearly at the level of nationally ranked U.S. News Best Hospitals in 4 adult specialties.[344] The Phoenix Children's Hospital is nationally ranked in 5 pediatric specialties according to U.S. News & World Report. It is a 425-bed children's teaching hospital.[345] Arizona Heart Institute, opened in 1971, is known internationally as one of the first freestanding outpatient clinics dedicated exclusively to cardiovascular health.[346] Banner Health is a non-profit health system in the United States, based in Phoenix. It operates 23 hospitals as well as specialized facilities. The health system is the 2nd largest employer in Arizona, behind Walmart, employing more than 35,000.[347] Banner Health was created in 1999 through a merger of Lutheran Health Systems, based in North Dakota, and Samaritan Health System, based in Phoenix. Of the top 10 rated hospitals in the city (top 12 in the state), 4 are Banner hospitals.[348] Barrow Neurological Institute (BNI) at St. Joseph's Hospital and Medical Center is the world's largest dedicated neurosurgical center and a leader in neurosurgical training, research, and patient care.[349] More operative neurosurgical procedures take place at BNI than at any other institution in the United States.[349]

Notable people[edit]

Main article: List of people from Phoenix

See also: List of Arizona State University alumni

Sister cities[edit]

 

Signpost showing Phoenix's sister cities

With the creation of the Phoenix Sister Cities (PSC) organization in 1972, Phoenix became a member of the international Sister City movement. It would take the organization several years to become official, not filing for Articles of Incorporation until 1975, and not entering into their first Sister City agreement until 1976, with Hermosillo, Mexico.[350] The organization's mission statement states their purpose is to "create people-to-people relationships between the residents of Phoenix and its sister cities through commercial, educational, cultural and artistic exchange programs and events that create and sustain global, long-term, international partnerships and business opportunities for the citizens of Phoenix."[351] Phoenix has ten sister cities, as designated by the Phoenix Sister Cities Commission and Sister Cities International, shown in the table below.[352] Phoenix and Prague have shared a Capital Cities relationship since May 1991, which was expanded to Sister City Status in 2013.[353]

See also[edit]

Notes[edit]

  1. ^ Since Sky Harbor International Airport (PHX) opened, the earliest and latest freezes recorded there are November 3, 1946, and April 4, 1945, respectively. However, as the official Phoenix climatology station was changed to PHX in October 1953, those records are not considered official.

  2. ^ Mean monthly maxima and minima (i.e. the highest and lowest temperature readings during an entire month or year) calculated based on data at said location from 1981 to 2010.

  3. ^ Official records for Phoenix kept at downtown August 1895 to September 1953, and at Sky Harbor Int'l since October 1953. For more information see ThreadEx.

References

Real Estate Loan Programs

  1. Do you Have Money for Closing cost ?

  2. Do you have money for an property appraisal?

  3. Do you have money for a down payment?

  4. How is your credit score?

  5. Do you have the property under contract?

We Prefer to do Loans at 500k or Higher please.

Hard Money Loan

is a specific type of asset-based loan financing through which a borrower receives funds secured by real property. Hard money loans are typically issued by private investors or companies. Interest rates are typically higher than conventional commercial or residential property loans because of the higher risk and shorter duration of the loan.

a. Most of the time for fix n flips. Most lenders will give 65% LTV, some 70% LTV , a few maybe 75% LTV, rarely give you 80% LTV ( loan to Value) b. 100% of the repair costs. c. Most charge 2 to 4 points upfront fee (2% to 4%). d. Time is usually anywhere from 3, 6, or 12 months.

Private Money Loan

a commonly used term in banking and finance. It refers to lending money to a company or individual by a private individual or organization. While banks are traditional sources of financing for real estate, and other purposes, private money is offered by individuals or organizations and may have non traditional qualifying guidelines. There are higher risks associated with private lending for both the lender and borrowers. There is traditionally less "red tape" and regulation.

Bridge Loan

A bridge loan is a type of short-term loan, typically taken out for a period of 2 weeks to 3 years pending the arrangement of larger or longer-term financing. A bridge loan is interim financing for an individual or business until permanent financing or the next stage of financing is obtained. Money from the new financing is generally used to "take out" (i.e. to pay back) the bridge loan, as well as other capitalization needs.

Bridge loans are typically more expensive than conventional financing, to compensate for the additional risk. Bridge loans typically have a higher interest rate, points (points are essentially fees, 1 point equals 1% of loan amount), and other costs that are amortized over a shorter period, and various fees and other "sweeteners" (such as equity participation by the lender in some loans). The lender also may require cross-collateralization and a lower loan-to-value ratio. On the other hand, they are typically arranged quickly with relatively little documentation.

DSCR Loans

The debt service coverage ratio (DSCR), also known as "debt coverage ratio" (DCR), is the ratio of operating income available to debt servicing for interest, principal and lease payments. It is a popular benchmark used in the measurement of an entity's (person or corporation) ability to produce enough cash to cover its debt (including lease) payments. The higher this ratio is, the easier it is to obtain a loan. The phrase is also used in commercial banking and may be expressed as a minimum ratio that is acceptable to a lender; it may be a loan condition. Breaching a DSCR covenant can, in some circumstances, be an act of default.

No Doc Loan

A No-Doc or Low-doc loan (abbr: No/Low Documentation Loan) refers to loans that do not require borrowers to provide documentation of their income to lenders or do not require much documentation. It is a financial product commonly offered by a mortgage lender to consumers who cannot qualify for normal loan products because of fluctuating or hard-to-verify incomes, such as the self-employed, or to serve long time customers with strong credit.[1] Applicants are often required to provide a substantial down payment, i.e. a larger deposit either through equity in security or personal savings.

Self-employedunemployed, seasonal workers, and new immigrants generally struggle to meet strict requirements to qualify for loans. A loan with few to no documentation or credit history requirements is easier to qualify for, but generally carries a significantly higher interest rate.

Bank lender Financing

80/20 Loan. Like traditional bank financing. Credit report is pulled. You have to meet certain lender requirements. Terms length

can be 5years, 7 years, 10 years, 15 years, 20 years or 30 years(most right now will not do the 30 years). Fixed Rate Interest or Adjustable rate interest. 

\

  • Asset-based loan — a similar type of commercial loan based on real estate, indicating the loan will be based upon a percentage of the property's appraised value, as the key criteria

  • Private money — refers to lending money to a company or individual by a private individual or organization

  • Bridge loan — a similar type of commercial loan based on real estate

  • Non-conforming loan — a loan that fails to meet bank criteria for funding

Property Types

Multifamily like a 4 plex to 10 units, etc. Single Family, Apartment Buildings, Office Buildings, Medical Building. Hotels, Motels, Malls, Strip Plaza, Store Units, Gas Stations, Construction land development, New home building, industrial like warehouse, Mixed Use Property, Land purchase, Special purpose properties include amusement parks, bowling alleys, parking lots, stadiums, theaters, zoos, and much, much more. Property Portfolio Buy, Mortgage note buy, Tape deal buys.

The Right Way to Finance or Refinance Your Next Commercial Property

Rather than pull your hair out wondering how you’re going to afford the space to house your business, come to Westport Commercial and let us take care of everything. We specialize in commercial real estate financing, and best of all is the fact that we’re familiar with both large and small transactions. See what it’s like to not have to settle for your next commercial property.

Options for Every Scenario

Over the years we’ve been in business, we’ve learned how to put together commercial real estate packages for large and small transactions with both recourse and non-recourse options. Examples of some of the business real estate lending options we offer include:

  • FHA and HUD financing for brand new properties, remodeling and acquisitions, specifically for hospitals, senior housing and multifamily rental homes.

  • Conventional loans, if you need basic commercial property lending for an owner-occupied or investment property.

  • Mezzanine and equity financing for those who need financing that’s well-tailored to their specific needs.

  • Commercial Mortgage Backed Securities, also known as CMBSs, which is when gathered business properties are shifted into a trust before you have the option of selling them to investors in the form of bonds.

  • Constructing lending, if you’d rather build your business property from scratch. Loan limits range from $10,000,000 to as much as $100,000,000.

Bridge Loans

You might be looking for a new commercial property because you’re in the midsts of selling your current one. If so, you may require a bridge loan either in addition to commercial real estate financing or instead of commercial real estate lending. Either way, you’ll have the funds you need to buy your new property while waiting to sell your old one, providing you with a stable bridge over uncertain financial waters.

Westport Commercial representatives are here to provide you with any assistance you might need. Be sure to let us know if you’d like more info about business real estate financing.

 

Turn to Our Stated Income Commercial Real Estate Loan Programs

At Westport Commercial, we understand that your business may need money for a variety of purposes such as debt consolidation, refinancing, working capital, property purchases and property improvements. One way to get that money is through a stated commercial real estate loan.

Types of Property That You Can Finance

With the loans, you finance a piece of real estate that you own. For instance, if you own an apartment building or a warehouse, you can get a certain percentage of its worth. Other property types covered include restaurants and real estate (both retail and office).

Here’s a more-detailed look at property types and how much you can expect to get for each.

  • If you own an auto service place, a self-storage business, a warehouse or office space, you can expect a loan-to-value ratio (LTV) of up to 65 percent.

  • If you have an investment property with up to four units not occupied by you, your LTV may be up to 70 percent.

  • If you own multifamily or mixed-use properties of five units or more, your LTV could be as high as 75 percent. However, for that 75 percent, you need a credit score of at least 700 and need to meet a few other qualifications.

What You Need to Qualify

When you apply for stated income commercial real estate loans, you must show a few documents. For example, you must submit a W-2 or self-employed income financials. You should also have a credit score of at least 600.

Why Stated Income Commercial Real Estate Loans?

With our stated income commercial real estate loans, you could close on a loan up to $500,000 in as little as two weeks. No matter the type of commercial property you own, odds are good we will accept it. Loan terms are for up to 25 years, and the loans are fully amortized.

Talk with us today about getting a loan!

What Are Your Options?

When it comes to real estate financing for commercial properties, we offer a variety of options. They include:

  • Bridge Loans – Our bridge and hard money loans come with high LTVs, low variable rates and can reach up to $100,000,000. With interest-only amortization, you’ll quickly acquire the working capital you need.

  • Church Financing – Whether you need to expand your facilities, refinance debt, acquire land or finance a new construction project, we can customize a solution that’s just right for your religious organization.

  • CMBS – A commercial mortgage backed security is designed with you in mind. By taking commercial properties and securitizing them into a pool, we are able to keep them in trusts and sell them to investors. This allows us to offer low rates and fixed terms.

  • Construction Loans – Our construction loans are often restructured for permanent financing. Amounts begin at $10,000,000 and can reach $100,000,000 or more.

  • Conventional Programs – Our conventional programs are for mobile home parks, multifamily units, self-storage facilities and other similar properties.

  • Equity and Mezzanine Financing – By tailoring solutions to your specific needs, we pull from capital sources that include high net worth investors to bring you the funds you need most.

  • FHA and HUD Loans – With funds that reach $50,000,000, our FHA and HUD loans are made for multifamily units, hospitals and healthcare properties. This includes acquisition, new construction or rehabilitation of the property.

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201,Visalia,California

202,Topeka,Kansas

203,Elizabeth,New Jersey

204,Gainesville,Florida

205,Thornton,Colorado

206,Roseville,California

207,Carrollton,Texas

208,Coral Springs

209,Stamford,Connecticut

210,Simi Valley,California

211,Concord,California

212,Hartford,Connecticut

213,Kent,Washington

214,Lafayette,Louisiana

215,Midland,Texas

216,Surprise,Arizona

217,Denton,Texas

218,Victorville,California

219,Evansville,Indiana,120310,-0.8%

220,Santa Clara,California,120245,17.4%

221,Abilene,Texas,120099,3.6%

222,Athens-Clarke County,Georgia,119980,19.0%

223,Vallejo,California,118837,1.2%

224,Allentown,Pennsylvania,118577,11.2%

225,Norman,Oklahoma,118197,22.0%

226,Beaumont,Texas,117796,3.7%

227,Independence,Missouri,117240,3.2%

228,Murfreesboro,Tennessee,117044,65.1%

229,Ann Arbor,Michigan,117025,2.0%

230,Springfield,Illinois,117006,4.2%

231,Berkeley,California,116768,13.3%

232,Peoria,Illinois,116513,3.0%

233,Provo,Utah,116288,10.0%

234,El Monte,California,115708,-0.4%

235,Columbia,Missouri,115276,34.0%

236,Lansing,Michigan,113972,-4.4%

237,Fargo,North Dakota,113658,24.9%

238,Downey,California,113242,5.3%

239,Costa Mesa,California,112174,2.4%

240,Wilmington,North Carolina,112067,24.8%

241,Arvada,Colorado,111707,9.2%

242,Inglewood,California,111542,-1.0%

243,Miami Gardens,Florida,111378,10.5%

244,Carlsbad,California,110972,39.7%

245,Westminster,Colorado,110945,9.4%

246,Rochester,Minnesota,110742,23.9%

247,Odessa,Texas,110720,22.3%

248,Manchester,New Hampshire,110378,2.9%

249,Elgin,Illinois,110145,16.0%

250,West Jordan,Utah,110077,38.4%

251,Round Rock,Texas,109821,81.0%

252,Clearwater,Florida,109703,0.1%

253,Waterbury,Connecticut,109676,2.2%

254,Gresham,Oregon,109397,20.7%

255,Fairfield,California,109320,12.8%

256,Billings,Montana,109059,18.6%

257,Lowell,Massachusetts,108861,3.4%

258,San Buenaventura (Ventura),California,108817,7.4%

259,Pueblo,Colorado,108249,5.9%

260,High Point,North Carolina,107741,24.3%

261,West Covina,California,107740,2.3%

262,Richmond,California,107571,7.9%

263,Murrieta,California,107479,107.4%

264,Cambridge,Massachusetts,107289,5.5%

265,Antioch,California,107100,16.9%

266,Temecula,California,106780,55.4%

267,Norwalk,California,106589,1.9%

268,Centennial,Colorado,106114,3.5%

269,Everett,Washington,105370,9.4%

270,Palm Bay,Florida,104898,31.7%

271,Wichita Falls,Texas,104898,0.7%

272,Green Bay,Wisconsin,104779,1.9%

273,Daly City,California,104739,1.0%

274,Burbank,California,104709,4.2%

275,Richardson,Texas,104475,13.2%

276,Pompano Beach,Florida,104410,4.0%

277,North Charleston,South Carolina,104054,27.4%

278,Broken Arrow,Oklahoma,103500,28.2%

279,Boulder,Colorado,103166,9.0%

280,West Palm Beach,Florida,102436,23.5%

281,Santa Maria,California,102216,30.9%

282,El Cajon,California,102211,7.4%

283,Davenport,Iowa,102157,3.9%

284,Rialto,California,101910,9.8%

285,Las Cruces,New Mexico,101324,37.6%

286,San Mateo,California,101128,9.0%

287,Lewisville,Texas,101074,28.9%

288,South Bend,Indiana,100886,-6.8%

289,Lakeland,Florida,100710,18.3%

290,Erie,Pennsylvania,100671,-2.8%

291,Tyler,Texas,100223,18.6%

292,Pearland,Texas,100065,117.2%

293,College Station,Texas,100050,45.2%

294,Kenosha,Wisconsin,99889,9.5%

295,Sandy Springs,Georgia,99770,17.4%

296,Clovis,California,99769,42.6%

297,Flint,Michigan,99763,-20.0%

298,Roanoke,Virginia,98465,3.8%

299,Albany,New York,98424,4.1%

300,Jurupa Valley,California,98030,

301,Compton,California,97877,4.5%

302,San Angelo,Texas,97492,10.2%

303,Hillsboro,Oregon,97368,36.4%

304,Lawton,Oklahoma,97151,4.9%

305,Renton,Washington,97003,88.4%

306,Vista,California,96929,7.7%

307,Davie,Florida,96830,17.7%

308,Greeley,Colorado,96539,23.1%

309,Mission Viejo,California,96346,2.9%

310,Portsmouth,Virginia,96205,-4.2%

311,Dearborn,Michigan,95884,-2.0%

312,South Gate,California,95677,-0.8%

313,Tuscaloosa,Alabama,95334,21.1%

314,Livonia,Michigan,95208,-5.4%

315,New Bedford,Massachusetts,95078,1.2%

316,Vacaville,California,94275,5.4%

317,Brockton,Massachusetts,94089,-0.3%

318,Roswell,Georgia,94034,15.2%

319,Beaverton,Oregon,93542,17.0%

320,Quincy,Massachusetts,93494,5.8%

321,Sparks,Nevada,93282,39.4%

322,Yakima,Washington,93257,11.7%

323,Lee's Summit,Missouri,93184,31.2%

324,Federal Way,Washington,92734,8.8%

325,Carson,California,92599,2.9%

326,Santa Monica,California,92472,9.6%

327,Hesperia,California,92147,46.1%

328,Allen,Texas,92020,104.0%

329,Rio Rancho,New Mexico,91956,74.4%

330,Yuma,Arizona,91923,16.2%

331,Westminster,California,91739,3.9%

332,Orem,Utah,91648,8.5%

333,Lynn,Massachusetts,91589,2.6%

334,Redding,California,91119,11.9%

335,Spokane Valley,Washington,91113,12.6%

336,Miami Beach,Florida,91026,3.3%

337,League City,Texas,90983,98.3%

338,Lawrence,Kansas,90811,12.7%

339,Santa Barbara,California,90412,0.9%

340,Plantation,Florida,90268,8.6%

341,Sandy,Utah,90231,1.3%

342,Sunrise,Florida,90116,4.6%

343,Macon,Georgia,89981,-7.3%

344,Longmont,Colorado,89919,24.4%

345,Boca Raton,Florida,89407,7.5%

346,San Marcos,California,89387,60.0%

347,Greenville,North Carolina,89130,41.9%

348,Waukegan,Illinois,88826,0.5%

349,Fall River,Massachusetts,88697,-3.7%

350,Chico,California,88077,14.2%

351,Newton,Massachusetts,87971,4.9%

352,San Leandro,California,87965,10.3%

353,Reading,Pennsylvania,87893,8.0%

354,Norwalk,Connecticut,87776,5.6%

355,Fort Smith,Arkansas,87650,8.6%

356,Newport Beach,California,87273,10.4%

357,Asheville,North Carolina,87236,19.6%

358,Nashua,New Hampshire,87137,0.4%

359,Edmond,Oklahoma,87004,26.9%

360,Whittier,California,86635,3.3%

361,Nampa,Idaho,86518,57.9%

362,Bloomington,Minnesota,86319,1.3%

363,Deltona,Florida,86290,23.1%

364,Hawthorne,California,86199,2.3%

365,Duluth,Minnesota,86128,-0.1%

366,Carmel,Indiana,85927,60.4%

367,Suffolk,Virginia,85728,33.5%

368,Clifton,New Jersey,85390,7.9%

369,Citrus Heights,California,85285,-0.1%

370,Livermore,California,85156,15.1%

371,Tracy,California,84691,45.9%

372,Alhambra,California,84577,-0.7%

373,Kirkland,Washington,84430,87.5%

374,Trenton,New Jersey,84349,-1.2%

375,Ogden,Utah,84249,8.6%

376,Hoover,Alabama,84126,32.7%

377,Cicero,Illinois,84103,-1.6%

378,Fishers,Indiana,83891,114.8%

379,Sugar Land,Texas,83860,29.1%

380,Danbury,Connecticut,83684,11.4%

381,Meridian,Idaho,83596,127.6%

382,Indio,California,83539,66.0%

383,Concord,North Carolina,83506,47.4%

384,Menifee,California,83447,95.0%

385,Champaign,Illinois,83424,18.3%

386,Buena Park,California,82882,6.1%

387,Troy,Michigan,82821,2.2%

388,O'Fallon,Missouri,82809,62.6%

389,Johns Creek,Georgia,82788,36.5%

390,Bellingham,Washington,82631,21.8%

391,Westland,Michigan,82578,-4.7%

392,Bloomington,Indiana,82575,16.1%

393,Sioux City,Iowa,82459,-2.9%

394,Warwick,Rhode Island,81971,-4.6%

395,Hemet,California,81750,37.6%

396,Longview,Texas,81443,11.6%

397,Farmington Hills,Michigan,81295,-0.9%

398,Bend,Oregon,81236,54.3%

399,Lakewood,California,81121,2.1%

400,Merced,California,81102,25.4%

401,Mission,Texas,81050,74.5%

402,Chino,California,80988,15.6%

403,Redwood City,California,80872,7.1%

404,Edinburg,Texas,80836,65.1%

405,Cranston,Rhode Island,80566,1.4%

406,Parma,Ohio,80429,-5.9%

407,New Rochelle,New York,79446,9.9%

408,Lake Forest,California,79312,4.2%

409,Napa,California,79068,8.4%

410,Hammond,Indiana,78967,-4.6%

411,Fayetteville,Arkansas,78960,32.9%

412,Bloomington,Illinois,78902,20.1%

413,Avondale,Arizona,78822,111.5%

414,Somerville,Massachusetts,78804,1.6%

415,Palm Coast,Florida,78740,137.2%

416,Bryan,Texas,78709,19.3%

417,Gary,Indiana,78450,-23.4%

418,Largo,Florida,78409,5.1%

419,Brooklyn Park,Minnesota,78373,16.0%

420,Tustin,California,78327,15.6%

421,Racine,Wisconsin,78199,-4.4%

422,Deerfield Beach,Florida,78041,4.8%

423,Lynchburg,Virginia,78014,19.5%

424,Mountain View,California,77846,10.1%

425,Medford,Oregon,77677,17.1%

426,Lawrence,Massachusetts,77657,7.5%

427,Bellflower,California,77593,6.3%

428,Melbourne,Florida,77508,5.9%

429,St. Joseph,Missouri,77147,4.1%

430,Camden,New Jersey,76903,-3.6%

431,St. George,Utah,76817,53.1%

432,Kennewick,Washington,76762,29.1%

433,Baldwin Park,California,76635,0.8%

434,Chino Hills,California,76572,13.6%

435,Alameda,California,76419,5.4%

436,Albany,Georgia,76185,-0.6%

437,Arlington Heights,Illinois,75994,-0.6%

438,Scranton,Pennsylvania,75806,0.0%

439,Evanston,Illinois,75570,1.9%

440,Kalamazoo,Michigan,75548,-1.9%

441,Baytown,Texas,75418,13.1%

442,Upland,California,75413,9.5%

443,Springdale,Arkansas,75229,57.1%

444,Bethlehem,Pennsylvania,75018,5.2%

445,Schaumburg,Illinois,74907,-0.5%

446,Mount Pleasant,South Carolina,74885,53.2%

447,Auburn,Washington,74860,34.9%

448,Decatur,Illinois,74710,-8.7%

449,San Ramon,California,74513,65.8%

450,Pleasanton,California,74110,15.2%

451,Wyoming,Michigan,74100,6.5%

452,Lake Charles,Louisiana,74024,3.0%

453,Plymouth,Minnesota,73987,12.0%

454,Bolingbrook,Illinois,73936,29.7%

455,Pharr,Texas,73790,55.7%

456,Appleton,Wisconsin,73596,4.5%

457,Gastonia,North Carolina,73209,8.2%

458,Folsom,California,73098,38.6%

459,Southfield,Michigan,73006,-6.7%

460,Rochester Hills,Michigan,72952,5.7%

461,New Britain,Connecticut,72939,1.9%

462,Goodyear,Arizona,72864,271.0%

463,Canton,Ohio,72535,-10.3%

464,Warner Robins,Georgia,72531,45.7%

465,Union City,California,72528,7.4%

466,Perris,California,72326,98.7%

467,Manteca,California,71948,42.7%

468,Iowa City,Iowa,71591,13.8%

469,Jonesboro,Arkansas,71551,28.3%

470,Wilmington,Delaware,71525,-1.6%

471,Lynwood,California,71371,2.0%

472,Loveland,Colorado,71334,37.4%

473,Pawtucket,Rhode Island,71172,-2.5%

474,Boynton Beach,Florida,71097,17.3%

475,Waukesha,Wisconsin,71016,8.0%

476,Gulfport,Mississippi,71012,-0.6%

477,Apple Valley,California,70924,29.9%

478,Passaic,New Jersey,70868,4.3%

479,Rapid City,South Dakota,70812,17.9%

480,Layton,Utah,70790,20.2%

481,Lafayette,Indiana,70373,14.5%

482,Turlock,California,70365,23.5%

483,Muncie,Indiana,70316,-0.7%

484,Temple,Texas,70190,27.1%

485,Missouri City,Texas,70185,31.1%

486,Redlands,California,69999,9.4%

487,Santa Fe,New Mexico,69976,10.5%

488,Lauderhill,Florida,69813,4.2%

489,Milpitas,California,69783,11.0%

490,Palatine,Illinois,69350,4.5%

491,Missoula,Montana,69122,19.7%

492,Rock Hill,South Carolina,69103,36.0%

493,Jacksonville,North Carolina,69079,5.0%

494,Franklin,Tennessee,68886,48.5%

495,Flagstaff,Arizona,68667,29.3%

496,Flower Mound,Texas,68609,32.5%

497,Weston,Florida,68388,34.5%

498,Waterloo,Iowa,68366,-0.5%

499,Union City,New Jersey,68247,1.7%

500,Mount Vernon,New York,68224,-0.2%

501,Fort Myers,Florida,68190,31.2%

502,Dothan,Alabama,68001,16.6%

503,Rancho Cordova,California,67911,26.4%

504,Redondo Beach,California,67815,6.7%

505,Jackson,Tennessee,67685,12.9%

506,Pasco,Washington,67599,98.5%

507,St. Charles,Missouri,67569,11.3%

508,Eau Claire,Wisconsin,67545,8.7%

509,North Richland Hills,Texas,67317,20.2%

510,Bismarck,North Dakota,67034,20.1%

511,Yorba Linda,California,67032,13.4%

512,Kenner,Louisiana,66975,-4.8%

513,Walnut Creek,California,66900,3.5%

514,Frederick,Maryland,66893,25.9%

515,Oshkosh,Wisconsin,66778,5.3%

516,Pittsburg,California,66695,16.6%

517,Palo Alto,California,66642,13.7%

518,Bossier City,Louisiana,66333,17.4%

519,Portland,Maine,66318,3.2%

520,St. Cloud,Minnesota,66297,10.9%

521,Davis,California,66205,11.9%

522,South San Francisco,California,66174,9.1%

523,Camarillo,California,66086,14.9%

524,North Little Rock,Arkansas,66075,9.0%

525,Schenectady,New York,65902,6.7%

526,Gaithersburg,Maryland,65690,24.2%

527,Harlingen,Texas,65665,11.6%

528,Woodbury,Minnesota,65656,39.8%

529,Eagan,Minnesota,65453,2.6%

530,Yuba City,California,65416,27.9%

531,Maple Grove,Minnesota,65415,27.3%

532,Youngstown,Ohio,65184,-20.2%

533,Skokie,Illinois,65176,2.8%

534,Kissimmee,Florida,65173,32.6%

535,Johnson City,Tennessee,65123,16.2%

536,Victoria,Texas,65098,7.5%

537,San Clemente,California,65040,28.6%

538,Bayonne,New Jersey,65028,5.1%

539,Laguna Niguel,California,64652,2.8%

540,East Orange,New Jersey,64544,-7.4%

541,Shawnee,Kansas,64323,32.2%

542,Homestead,Florida,64079,100.7%

544,Rockville,Maryland,64072,34.0%

543,Delray Beach,Florida,64072,6.1%

545,Janesville,Wisconsin,63820,5.6%

546,Conway,Arkansas,63816,46.1%

547,Pico Rivera,California,63771,0.4%

548,Lorain,Ohio,63710,-7.2%

549,Montebello,California,63495,2.0%

550,Lodi,California,63338,10.1%

551,New Braunfels,Texas,63279,64.0%

552,Marysville,Washington,63269,115.7%

553,Tamarac,Florida,63155,12.9%

554,Madera,California,63105,44.4%

555,Conroe,Texas,63032,61.9%

556,Santa Cruz,California,62864,12.5%

557,Eden Prairie,Minnesota,62603,13.3%

558,Cheyenne,Wyoming,62448,16.9%

559,Daytona Beach,Florida,62316,-2.3%

560,Alpharetta,Georgia,62298,33.6%

561,Hamilton,Ohio,62258,2.7%

562,Waltham,Massachusetts,62227,5.0%

563,Coon Rapids,Minnesota,62103,0.6%

564,Haverhill,Massachusetts,62088,5.0%

565,Council Bluffs,Iowa,61969,6.2%

566,Taylor,Michigan,61817,-6.3%

567,Utica,New York,61808,2.2%

568,Ames,Iowa,61792,21.3%

569,La Habra,California,61653,3.6%

570,Encinitas,California,61588,5.8%

571,Bowling Green,Kentucky,61488,24.1%

572,Burnsville,Minnesota,61434,1.9%

573,Greenville,South Carolina,61397,8.2%

574,West Des Moines,Iowa,61255,29.8%

575,Cedar Park,Texas,61238,134.3%

576,Tulare,California,61170,33.3%

577,Monterey Park,California,61085,1.5%

578,Vineland,New Jersey,61050,9.3%

579,Terre Haute,Indiana,61025,2.5%

580,North Miami,Florida,61007,2.0%

581,Mansfield,Texas,60872,114.2%

582,West Allis,Wisconsin,60697,-0.6%

583,Bristol,Connecticut,60568,0.4%

584,Taylorsville,Utah,60519,2.9%

585,Malden,Massachusetts,60509,7.4%

586,Meriden,Connecticut,60456,3.7%

587,Blaine,Minnesota,60407,32.8%

588,Wellington,Florida,60202,55.0%

589,Cupertino,California,60189,14.3%

590,Springfield,Oregon,60177,12.4%

591,Rogers,Arkansas,60112,50.6%

592,St. Clair Shores,Michigan,60070,-4.6%

593,Gardena,California,59957,3.4%

594,Pontiac,Michigan,59887,-11.4%

595,National City,California,59834,10.1%

596,Grand Junction,Colorado,59778,30.9%

597,Rocklin,California,59738,60.3%

598,Chapel Hill,North Carolina,59635,24.1%

599,Casper,Wyoming,59628,19.9%

600,Broomfield,Colorado,59471,50.3%

601,Petaluma,California,59440,8.4%

602,South Jordan,Utah,59366,100.1%

603,Springfield,Ohio,59357,-9.8%

604,Great Falls,Montana,59351,3.9%

605,Lancaster,Pennsylvania,59325,4.5%

606,North Port,Florida,59212,154.6%

607,Lakewood,Washington,59097,1.1%

608,Marietta,Georgia,59089,-3.8%

609,San Rafael,California,58994,5.0%

610,Royal Oak,Michigan,58946,-1.7%

611,Des Plaines,Illinois,58918,3.2%

612,Huntington Park,California,58879,-4.1%

613,La Mesa,California,58642,6.9%

614,Orland Park,Illinois,58590,13.9%

615,Auburn,Alabama,58582,26.4%

616,Lakeville,Minnesota,58562,34.3%

617,Owensboro,Kentucky,58416,7.7%

618,Moore,Oklahoma,58414,41.5%

619,Jupiter,Florida,58298,46.2%

620,Idaho Falls,Idaho,58292,14.0%

621,Dubuque,Iowa,58253,0.9%

622,Bartlett,Tennessee,58226,31.7%

623,Rowlett,Texas,58043,28.6%

624,Novi,Michigan,57960,22.0%

625,White Plains,New York,57866,8.5%

626,Arcadia,California,57639,8.3%

627,Redmond,Washington,57530,26.0%

628,Lake Elsinore,California,57525,96.5%

629,Ocala,Florida,57468,20.8%

630,Tinley Park,Illinois,57282,16.3%

631,Port Orange,Florida,57203,22.8%

632,Medford,Massachusetts,57170,2.7%

633,Oak Lawn,Illinois,57073,3.3%

634,Rocky Mount,North Carolina,56954,-3.1%

635,Kokomo,Indiana,56895,21.3%

636,Coconut Creek,Florida,56792,28.4%

637,Bowie,Maryland,56759,8.6%

638,Berwyn,Illinois,56758,5.1%

639,Midwest City,Oklahoma,56756,4.5%

640,Fountain Valley,California,56707,3.0%

641,Buckeye,Arizona,56683,480.9%

642,Dearborn Heights,Michigan,56620,-3.0%

643,Woodland,California,56590,13.8%

644,Noblesville,Indiana,56540,88.1%

645,Valdosta,Georgia,56481,22.3%

646,Diamond Bar,California,56449,0.1%

647,Manhattan,Kansas,56143,22.8%

648,Santee,California,56105,5.7%

649,Taunton,Massachusetts,56069,0.0%

650,Sanford,Florida,56002,42.8%

651,Kettering,Ohio,55870,-3.1%

652,New Brunswick,New Jersey,55831,15.5%

653,Decatur,Alabama,55816,3.1%

654,Chicopee,Massachusetts,55717,1.7%

655,Anderson,Indiana,55670,-6.6%

656,Margate,Florida,55456,2.7%

657,Weymouth Town,Massachusetts,55419,

658,Hempstead,New York,55361,4.0%

659,Corvallis,Oregon,55298,11.8%

660,Eastvale,California,55191,

661,Porterville,California,55174,20.1%

662,West Haven,Connecticut,55046,5.1%

663,Brentwood,California,55000,122.3%

664,Paramount,California,54980,-0.7%

665,Grand Forks,North Dakota,54932,11.5%

666,Georgetown,Texas,54898,91.9%

667,St. Peters,Missouri,54842,6.5%

668,Shoreline,Washington,54790,2.9%

669,Mount Prospect,Illinois,54771,-2.5%

670,Hanford,California,54686,30.3%

671,Normal,Illinois,54664,19.7%

672,Rosemead,California,54561,1.7%

673,Lehi,Utah,54382,176.3%

674,Pocatello,Idaho,54350,5.4%

675,Highland,California,54291,21.0%

676,Novato,California,54194,13.3%

677,Port Arthur,Texas,54135,-6.0%

678,Carson City,Nevada,54080,2.9%

679,San Marcos,Texas,54076,48.5%

680,Hendersonville,Tennessee,54068,31.7%

681,Elyria,Ohio,53956,-3.7%

682,Revere,Massachusetts,53756,13.4%

683,Pflugerville,Texas,53752,123.4%

684,Greenwood,Indiana,53665,46.0%

685,Bellevue,Nebraska,53663,20.5%

686,Wheaton,Illinois,53648,-3.4%

687,Smyrna,Georgia,53438,20.0%

688,Sarasota,Florida,53326,1.4%

689,Blue Springs,Missouri,53294,9.9%

690,Colton,California,53243,10.8%

691,Euless,Texas,53224,15.1%

692,Castle Rock,Colorado,53063,153.5%

693,Cathedral City,California,52977,23.2%

694,Kingsport,Tennessee,52962,16.7%

695,Lake Havasu City,Arizona,52844,24.6%

696,Pensacola,Florida,52703,-6.0%

697,Hoboken,New Jersey,52575,35.8%

698,Yucaipa,California,52536,26.8%

699,Watsonville,California,52477,12.7%

700,Richland,Washington,52413,34.6%

701,Delano,California,52403,31.8%

702,Hoffman Estates,Illinois,52398,5.4%

703,Florissant,Missouri,52363,-2.8%

704,Placentia,California,52206,11.8%

705,West New York,New Jersey,52122,13.3%

706,Dublin,California,52105,70.0%

707,Oak Park,Illinois,52066,-0.8%

708,Peabody,Massachusetts,52044,7.5%

709,Perth Amboy,New Jersey,51982,9.7%

710,Battle Creek,Michigan,51848,-2.8%

711,Bradenton,Florida,51763,3.4%

712,Gilroy,California,51701,23.9%

713,Milford,Connecticut,51644,1.8%

714,Albany,Oregon,51583,25.5%

715,Ankeny,Iowa,51567,86.9%

716,La Crosse,Wisconsin,51522,-0.8%

717,Burlington,North Carolina,51510,12.1%

718,DeSoto,Texas,51483,36.0%

719,Harrisonburg,Virginia,51395,27.1%

720,Minnetonka,Minnesota,51368,0.4%

721,Elkhart,Indiana,51265,-2.5%

722,Lakewood,Ohio,51143,-9.4%

723,Glendora,California,51074,3.1%

724,Southaven,Mississippi,50997,72.8%

725,Charleston,West Virginia,50821,-4.7%

726,Joplin,Missouri,50789,11.2%

727,Enid,Oklahoma,50725,8.1%

728,Palm Beach Gardens,Florida,50699,39.6%

729,Brookhaven,Georgia,50603,

730,Plainfield,New Jersey,50588,5.7%

731,Grand Island,Nebraska,50550,16.0%

732,Palm Desert,California,50508,13.2%

733,Huntersville,North Carolina,50458,92.9%

734,Tigard,Oregon,50444,17.8%

735,Lenexa,Kansas,50344,24.6%

736,Saginaw,Michigan,50303,-18.2%

737,Kentwood,Michigan,50233,10.5%

738,Doral,Florida,50213,137.6%

739,Apple Valley,Minnesota,50201,9.2%

740,Grapevine,Texas,50195,17.6%

741,Aliso Viejo,California,50175,25.4%

742,Sammamish,Washington,50169,44.1%

743,Casa Grande,Arizona,50111,86.0%

744,Pinellas Park,Florida,49998,5.9%

745,Troy,New York,49974,1.5%

746,West Sacramento,California,49891,55.6%

747,Burien,Washington,49858,56.7%

748,Commerce City,Colorado,49799,135.4%

749,Monroe,Louisiana,49761,-6.1%

750,Cerritos,California,49707,-3.6%

751,Downers Grove,Illinois,49670,0.0%

752,Coral Gables,Florida,49631,16.1%

753,Wilson,North Carolina,49628,10.1%

754,Niagara Falls,New York,49468,-10.8%

755,Poway,California,49417,2.4%

756,Edina,Minnesota,49376,4.1%

757,Cuyahoga Falls,Ohio,49267,-0.2%

758,Rancho Santa Margarita,California,49228,4.6%

759,Harrisburg,Pennsylvania,49188,0.6%

760,Huntington,West Virginia,49177,-5.0%

761,La Mirada,California,49133,4.6%

762,Cypress,California,49087,5.3%

763,Caldwell,Idaho,48957,77.1%

764,Logan,Utah,48913,14.5%

765,Galveston,Texas,48733,-15.2%

766,Sheboygan,Wisconsin,48725,-3.9%

767,Middletown,Ohio,48630,-5.7%

768,Murray,Utah,48612,6.6%

769,Roswell,New Mexico,48611,7.5%

770,Parker,Colorado,48608,96.4%

771,Bedford,Texas,48592,2.9%

772,East Lansing,Michigan,48554,4.2%

773,Methuen,Massachusetts,48514,10.3%

774,Covina,California,48508,3.3%

775,Alexandria,Louisiana,48426,4.1%

776,Olympia,Washington,48338,12.1%

777,Euclid,Ohio,48139,-8.4%

778,Mishawaka,Indiana,47989,2.0%

779,Salina,Kansas,47846,4.5%

780,Azusa,California,47842,6.7%

781,Newark,Ohio,47777,3.1%

782,Chesterfield,Missouri,47749,1.9%

783,Leesburg,Virginia,47673,66.0%

784,Dunwoody,Georgia,47591,

785,Hattiesburg,Mississippi,47556,3.1%

786,Roseville,Michigan,47555,-1.0%

787,Bonita Springs,Florida,47547,43.8%

788,Portage,Michigan,47523,5.7%

789,St. Louis Park,Minnesota,47411,7.3%

790,Collierville,Tennessee,47333,43.4%

791,Middletown,Connecticut,47333,3.6%

792,Stillwater,Oklahoma,47186,20.1%

793,East Providence,Rhode Island,47149,-3.3%

794,Lawrence,Indiana,47135,20.5%

795,Wauwatosa,Wisconsin,47134,0.0%

796,Mentor,Ohio,46979,-6.6%

797,Ceres,California,46714,34.0%

798,Cedar Hill,Texas,46663,42.4%

799,Mansfield,Ohio,46454,-10.1%

800,Binghamton,New York,46444,-1.7%

801,Coeur d'Alene,Idaho,46402,32.8%

802,San Luis Obispo,California,46377,4.4%

803,Minot,North Dakota,46321,26.6%

804,Palm Springs,California,46281,7.7%

805,Pine Bluff,Arkansas,46094,-16.2%

806,Texas City,Texas,46081,10.3%

807,Summerville,South Carolina,46074,62.9%

808,Twin Falls,Idaho,45981,31.5%

809,Jeffersonville,Indiana,45929,53.3%

810,San Jacinto,California,45851,91.8%

811,Madison,Alabama,45799,53.7%

812,Altoona,Pennsylvania,45796,-7.3%

813,Columbus,Indiana,45775,16.4%

814,Beavercreek,Ohio,45712,19.0%

815,Apopka,Florida,45587,63.9%

816,Elmhurst,Illinois,45556,5.7%

817,Maricopa,Arizona,45508,2503.4%

818,Farmington,New Mexico,45426,18.1%

819,Glenview,Illinois,45417,5.2%

820,Cleveland Heights,Ohio,45394,-10.3%

821,Draper,Utah,45285,77.4%

822,Lincoln,California,45237,285.2%

823,Sierra Vista,Arizona,45129,19.3%

824,Lacey,Washington,44919,41.7%

825,Biloxi,Mississippi,44820,-11.5%

826,Strongsville,Ohio,44730,1.9%

827,Barnstable Town,Massachusetts,44641,-7.1%

828,Wylie,Texas,44575,185.2%

829,Sayreville,New Jersey,44412,9.6%

830,Kannapolis,North Carolina,44359,18.6%

831,Charlottesville,Virginia,44349,10.5%

832,Littleton,Colorado,44275,9.4%

833,Titusville,Florida,44206,7.8%

834,Hackensack,New Jersey,44113,2.9%

835,Newark,California,44096,3.3%

836,Pittsfield,Massachusetts,44057,-3.6%

837,York,Pennsylvania,43935,6.4%

838,Lombard,Illinois,43907,2.9%

839,Attleboro,Massachusetts,43886,4.6%

840,DeKalb,Illinois,43849,11.8%

841,Blacksburg,Virginia,43609,9.4%

842,Dublin,Ohio,43607,37.6%

843,Haltom City,Texas,43580,11.4%

844,Lompoc,California,43509,5.5%

845,El Centro,California,43363,13.7%

846,Danville,California,43341,3.7%

847,Jefferson City,Missouri,43330,6.7%

848,Cutler Bay,Florida,43328,42.9%

849,Oakland Park,Florida,43286,2.7%

850,North Miami Beach,Florida,43250,3.6%

851,Freeport,New York,43167,-1.4%

852,Moline,Illinois,43116,-1.9%

853,Coachella,California,43092,88.4%

854,Fort Pierce,Florida,43074,6.9%

855,Smyrna,Tennessee,43060,54.9%

856,Bountiful,Utah,43023,3.9%

857,Fond du Lac,Wisconsin,42970,1.7%

858,Everett,Massachusetts,42935,12.1%

859,Danville,Virginia,42907,-11.0%

860,Keller,Texas,42907,53.3%

861,Belleville,Illinois,42895,1.2%

862,Bell Gardens,California,42889,-2.7%

863,Cleveland,Tennessee,42774,14.1%

864,North Lauderdale,Florida,42757,10.8%

865,Fairfield,Ohio,42635,1.2%

866,Salem,Massachusetts,42544,5.1%

867,Rancho Palos Verdes,California,42448,2.9%

868,San Bruno,California,42443,5.6%

869,Concord,New Hampshire,42419,4.1%

870,Burlington,Vermont,42284,6.1%

871,Apex,North Carolina,42214,98.8%

872,Midland,Michigan,42181,0.9%

873,Altamonte Springs,Florida,42150,2.0%

874,Hutchinson,Kansas,41889,0.1%

875,Buffalo Grove,Illinois,41778,-3.4%

876,Urbandale,Iowa,41776,41.5%

877,State College,Pennsylvania,41757,8.7%

878,Urbana,Illinois,41752,10.3%

879,Plainfield,Illinois,41734,203.6%

880,Manassas,Virginia,41705,19.5%

881,Bartlett,Illinois,41679,13.1%

882,Kearny,New Jersey,41664,2.8%

883,Oro Valley,Arizona,41627,27.0%

884,Findlay,Ohio,41512,5.8%

885,Rohnert Park,California,41398,0.0%

887,Westfield,Massachusetts,41301,3.0%

886,Linden,New Jersey,41301,4.7%

888,Sumter,South Carolina,41190,1.3%

889,Wilkes-Barre,Pennsylvania,41108,-4.3%

890,Woonsocket,Rhode Island,41026,-5.2%

891,Leominster,Massachusetts,41002,-1.1%

892,Shelton,Connecticut,40999,7.3%

893,Brea,California,40963,15.2%

894,Covington,Kentucky,40956,-4.7%

895,Rockwall,Texas,40922,117.2%

896,Meridian,Mississippi,40921,-0.9%

897,Riverton,Utah,40921,61.6%

898,St. Cloud,Florida,40918,86.2%

899,Quincy,Illinois,40915,0.5%

900,Morgan Hill,California,40836,19.5%

901,Warren,Ohio,40768,-15.2%

902,Edmonds,Washington,40727,2.9%

903,Burleson,Texas,40714,85.3%

904,Beverly,Massachusetts,40664,2.0%

905,Mankato,Minnesota,40641,24.7%

906,Hagerstown,Maryland,40612,10.4%

907,Prescott,Arizona,40590,18.1%

908,Campbell,California,40584,4.2%

909,Cedar Falls,Iowa,40566,12.0%

910,Beaumont,California,40481,254.5%

911,La Puente,California,40435,-1.6%

912,Crystal Lake,Illinois,40388,5.3%

913,Fitchburg,Massachusetts,40383,3.5%

914,Carol Stream,Illinois,40379,-0.2%

915,Hickory,North Carolina,40361,7.0%

916,Streamwood,Illinois,40351,10.1%

917,Norwich,Connecticut,40347,11.6%

918,Coppell,Texas,40342,10.3%

919,San Gabriel,California,40275,0.9%

920,Holyoke,Massachusetts,40249,0.9%

921,Bentonville,Arkansas,40167,97.7%

922,Florence,Alabama,40059,10.2%

923,Peachtree Corners,Georgia,40059,

924,Brentwood,Tennessee,40021,51.9%

925,Bozeman,Montana,39860,41.9%

926,New Berlin,Wisconsin,39834,3.6%

927,Goose Creek,South Carolina,39823,26.1%

928,Huntsville,Texas,39795,13.2%

929,Prescott Valley,Arizona,39791,62.9%

930,Maplewood,Minnesota,39765,12.3%

931,Romeoville,Illinois,39650,79.5%

932,Duncanville,Texas,39605,9.7%

933,Atlantic City,New Jersey,39551,-2.2%

934,Clovis,New Mexico,39508,21.3%

935,The Colony,Texas,39458,45.7%

936,Culver City,California,39428,1.3%

937,Marlborough,Massachusetts,39414,7.6%

938,Hilton Head Island,South Carolina,39412,16.0%

939,Moorhead,Minnesota,39398,21.3%

940,Calexico,California,39389,44.0%

941,Bullhead City,Arizona,39383,15.9%

942,Germantown,Tennessee,39375,4.1%

943,La Quinta,California,39331,59.9%

944,Lancaster,Ohio,39325,10.7%

945,Wausau,Wisconsin,39309,1.7%

946,Sherman,Texas,39296,11.6%

947,Ocoee,Florida,39172,57.9%

948,Shakopee,Minnesota,39167,85.7%

949,Woburn,Massachusetts,39083,4.4%

950,Bremerton,Washington,39056,4.9%

951,Rock Island,Illinois,38877,-1.9%

952,Muskogee,Oklahoma,38863,-0.7%

953,Cape Girardeau,Missouri,38816,9.4%

954,Annapolis,Maryland,38722,7.6%

955,Greenacres,Florida,38696,35.5%

956,Ormond Beach,Florida,38661,5.8%

957,Hallandale Beach,Florida,38632,12.4%

958,Stanton,California,38623,2.8%

959,Puyallup,Washington,38609,11.8%

960,Pacifica,California,38606,0.5%

961,Hanover Park,Illinois,38510,0.6%

962,Hurst,Texas,38448,5.8%

963,Lima,Ohio,38355,-8.1%

964,Marana,Arizona,38290,166.2%

965,Carpentersville,Illinois,38241,22.8%

966,Oakley,California,38194,47.7%

967,Huber Heights,Ohio,38142,-0.2%

968,Lancaster,Texas,38071,46.4%

969,Montclair,California,38027,12.1%

970,Wheeling,Illinois,38015,4.8%

971,Brookfield,Wisconsin,37999,-1.9%

972,Park Ridge,Illinois,37839,0.1%

973,Florence,South Carolina,37792,19.8%

974,Roy,Utah,37733,13.3%

975,Winter Garden,Florida,37711,142.5%

976,Chelsea,Massachusetts,37670,7.3%

977,Valley Stream,New York,37659,3.6%

978,Spartanburg,South Carolina,37647,-6.2%

979,Lake Oswego,Oregon,37610,5.3%

980,Friendswood,Texas,37587,28.6%

981,Westerville,Ohio,37530,5.7%

982,Northglenn,Colorado,37499,15.5%

983,Phenix City,Alabama,37498,31.9%

984,Grove City,Ohio,37490,35.6%

985,Texarkana,Texas,37442,7.4%

986,Addison,Illinois,37385,2.6%

987,Dover,Delaware,37366,16.0%

988,Lincoln Park,Michigan,37313,-6.7%

989,Calumet City,Illinois,37240,-4.5%

990,Muskegon,Michigan,37213,-7.1%

991,Aventura,Florida,37199,47.2%

992,Martinez,California,37165,3.4%

993,Greenfield,Wisconsin,37159,4.8%

994,Apache Junction,Arizona,37130,15.7%

995,Monrovia,California,37101,0.2%

996,Weslaco,Texas,37093,28.8%

997,Keizer,Oregon,37064,14.4%

998,Spanish Fork,Utah,36956,78.1%

999,Beloit,Wisconsin,36888,2.9%

1000,Panama City,Florida,36877,0.1%

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