Things are getting better as far as real estate is concerned but the recovery has not been fast nor has it been high. While prices for the state may have risen by 8%, the percentage is not only about half that (if I base it on Miami's recovery), but it has only just started. Even 4% may sound good but you have to put it into perspective with just how low the prices dropped. For example, in 2003 I paid $325k for this house and within a couple of years was over $450k. Shortly thereafter toward the end of 2008 it was valued at $112k and it has fluctuated between $130k and $155k for a couple of years until this past year when I saw an increase but it is still nowhere near my purchase price and my mortgage is still underwater. You know the FILO inventory method...it applies here as far as home prices go...first to get hit and last to recover. :-) I'm keeping my fingers crossed that things will continue to get better.