Your question is too complex to answer here. If you would like to sit down with one of us, we would be very happy to go over it with you in person. In general, our market is NOT the Florida market. While we have our share of foreclosures, it is not to the level that FL has them at all. (I use to live in Miami and have many friends down in that part of the world so I'm very familiar with the market there). Here we have pockets, and areas, but some of our metro area has continued to increase over the past three years, while other areas have gone down significantly in value. The number of foreclosures plays a part in that, but it is not just foreclosures that drives the market values in our area. You have to consider that we have some homes that sell at the $80,000 and under price point and other that sell for several million, so area, home values, size of home - there are far too many variables to answer your question simply here. If you'd like to sit down with me, I'd be happy to explain our market to you, but I'm not writing a PhD dissertation on Trulia about our market conditions and that would be what it would take to truly answer your question. And we don't need to estimate average cost increases, and days on market, I have that on a chart that I put together and mailed to my past clients as part of the end of year mailing, but it's by school district area.