MODESTO

CERES

TURLOCK

PATTERSON

3,100 homes, with hundreds of affordable housing units. "When (the market) comes back, we will move forward," Morris said.

SONORA

OAKDALE

MANTECA

MERCED

1 in 68 homes receiving some type of foreclosure notice last month. Prices plunged nearly 26 percent to $260,000 in September compared with a year earlier. About 1,100 houses are listed for sale, many of which are owned by lenders who foreclosed or builders who couldn't sell them.

RIVERBANK