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Many American cities may be in danger of a housing crisis, according to a study from GOBankingRates. Using data from Zillow and the Census Bureau’s 2017 American Community Survey, GOBankingRates compiled a list of 175 largest U.S. cities by the number of households, and examined the percentage of homes with mortgage with negative equity, mortgage delinquency rate, homeowner vacancy rate, rental vacancy rate, and foreclosure rates to determine which cities may be the closest to a housing crisis.

According to Zillow, the median U.S. home value increased by 7.2 percent increase from a year earlier and data from CoreLogic indicates serious delinquency rates on home mortgages were the lowest in more than 12 years, but in these cities examined by GOBankingRates, delinquency is a rising problem. Topping the list is Newark, New Jersey. In this city, with a median home value of $252,000, 27.9 percent of homes are currently underwater, and according to the study, lateness is a major issue. In Newark, 6.4 percent of homes are delinquent, six times the national average.

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