NEW YORK (MainStreet) -- Expect a widespread recovery of the nation’s housing market in 2015. That’s the top-line summary of a new report out of Realtor.com. But the rest of the story is that 10 markets are primed for better-than-average growth. Those are the ones on which real estate investors, flippers and especially first-time homebuyers need to focus, said Realtor.com Chief Economist Jonathan Smoke.

The other part of the story: The markets that do not make Smoke’s list include many that have been torrid in recent years. Think San Francisco, New York City, Boston, Miami and Austin, Texas, for starters. Their problem: Challenging affordability poses special problems for the Millennial first-time homebuyers who, increasingly, will shape the nation’s housing markets. It just is very hard for any Millennials who are not Trustafarians or at least employed in a booming technology company to handle the hefty mortgages in those towns.

As for the markets that made Smoke’s list, all excelled in at least a couple key metrics, he said. He added that just a few years ago it was a struggle for him to put together a list of 10 prospering markets. This year, he said, there were plenty of candidates, and the top 10 are all attractive on multiple levels. Affordability and Millennial appeal are common threads, he said.

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