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Florida's economy may be unsettled at the moment, but the Sunshine State's charms — a robust agricultural environment and a reliably mild climate among them — persist. Florida has a population of 18.1 million, with slightly more than 8.2 million housing units and a homeownership rate of 70.1 percent. In April 2007, the statewide median price for sales of existing homes was $237,000, down 3 percent from $243,500 a year earlier. With a less competitive Florida market afoot, this is the time to get the best value for your money on a new dream home, or to consider refinancing the loan on your current home.

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