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In this year's third quarter, the percentage of San Diego County homeowners underwater (more debt on the property than it is worth on the market) dropped to 30.6 from 33.9 in the second quarter, according to Zillow.com. San Diego was still higher than the national rate of 28.2%. But look at the percentage underwater in some other markets: Las Vegas 63.0; Orlando 44.7; Sacramento 44.7; Tampa 43.2; Phoenix 45.5; Riverside 47.3; Detroit 45.2, and Miami 41.5.

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