Nationally, 11.1 Million mortgage holders currently have negative equity, owing more than their homes are worth as of Q4 2010. Virginia has 24% underwater "owners", and another 6% are on the brink.
As prices continue falling due to high supply and low demand in the Charlottesville Albemarle Area, more people who bought or HELOC'd between 2004-2010 will fall underwater.
Underwater homeowners
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