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8. Nebraska

Debt as percent of income: 15%
Unemployment rate: 4.3%
Home ownership: 70.4%
Negative equity: 46.5%
Average home price: $160,000
Loan as percent of home value: 72.3%
Percent of U.S. Market: 0.28%

Nebraska has two big hits against it, Findlay notes: It has the worst negative equity in the top 10 at 46.5%, compared to the national average of 35%, plus its loan as a percent of home value is higher than the national average. Offsetting those items, however, are the fact that they have a low unemployment rate at 4.3% and very low debt as a percent of income (15%, vs. the national average of 27%).

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