Score: 84.7 (100 = U.S. average) Considered a Washington, D.C., "exurb," this community some 70 miles northwest from the nation's capital makes RealtyTrac's list partly because of its large number of underwater properties. RealtyTrac estimates that 35% of Hagerstown homeowners whose properties aren't all paid off owe more to their mortgage lenders than the residences are worth. That's well above the 26% U.S. average. The firm also found that while foreclosure filings in the 269,000-person metro area have fallen 43% from their worst levels, that's less of an improvement than the 65% average drop seen across the country. Lastly, Hagerstown's median home prices have only rebounded 13% after bottoming out in April 2012. That lags the 19% average recovery for America as a whole. "Hagerstown is one of those exurbs where there may have been some people willing to drive that far to get an affordable property during the housing boom, but nobody wants to drive that far any more," Blomquist says.