Recently, Local Market Monitor named Wilmington, NC, as one of the top tenWilmington NC Cape Fear River and Bridge warm weather-picks for retirees as an alternative to the once popular Arizona and Florida where housing markets are now tanking. Local Market Monitor watches 300 housing markets for accurate evaluations of the nation's housing economy. The determining factors for their choices were:

1. Home price outlook and size (not necessarily a booming housing market, but a stable one).

2. A population between 200,000 and 600,000.

3. Amenities.

4. Stable employment.

5. Good access to quality health care facilities.

Their top picks also included: Durham/Chapel Hill, NC; Augusta/Richmond County, GA; Las Cruces, NM; Charleston - North Charleston - Summerville, NC; Nashville, TN;Hickory-Lenoir-Morganton, N.C.; Athens, Ga.; Columbia, S.C.; Wilmington, N.C.; and Bowling Green, Ky.

Read MSN's January Buying Advice.