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I’m sure a lot of people would love to forget about the state of the housing market in 2022, but unfortunately, we’ve probably still got a ways to go before things significantly improve from high prices and high mortgage rates. And since two-thirds of Americans plan to buy, sell, or refinance a home in 2023, there is a lot of money at stake as we stare down the 2023 housing market.

Realtor.com’s economic research team recently released data on the top 10 real estate markets for 2023. These are metro areas where prices haven’t topped out, and in fact, these markets didn’t see the same explosive growth that many places experienced in the pandemic buying boom of 2020 and 2021. If you’re looking for a place to get a mortgage in 2023, consider these cities and their surrounding metro areas.

1. Hartford, Connecticut

Median sale price in November 2022: $224,950

If you want to move to a state capital, put Hartford on your list. The city is home to many large corporations, notably insurance companies (ever heard of The Hartford?), and offers 17 distinct neighborhoods to choose from.

2. El Paso, Texas

Median sale price in November 2022: $235,750

This border city is a great place to live if you enjoy the great outdoors. You’ll have easy proximity to the Rio Grande for boating and fishing, and the city boasts several notable organized athletic events every year.

3. Louisville, Kentucky

Median sale price in November 2022: $224,950