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US Cities With the Most Underwater Mortgages

% of Homes with negative equity: 51.5% Homes with negative equity: 60,180 Zillow Home Value Index: $102,400 Year-over-year change: -8.9%

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15. Melbourne, Fla.

Percentage of homes with negative equity: 51.5 percent
Homes with negative equity: 60,180

Zillow Home Value Index: $102,400
Year-over-year change: -8.9 percent

Photo: Taneli Mielikainen