Thanks for the information. Two factors that hinder my decision from buying are: Selling my existing home and the declining price in SD.
The value of my current home is any where from $650K to 850K. There are 4 that are selling in my neighborhood for that price range and some have pool and so does mine.
As for buying, I want to wait and see when the price will almost bottom out before I make a purchase. I want to purhcase in a good school district and willing to spend up to 800K. I guess this will last up to several years but willing to sit out for a year to rent first.