Kansas City, a metro that was fairly insulated from the housing boom, has the second-lowest average interest rate on our list, at 4.94%.

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Its control technologies, like thermostats and fire alarms, are in commercial construction as well as residential and thus partly insulated from the housing downturn.

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How would it play with people and media if he announces significant restrictions on the availability of mortgages in a housing boom, for example, when he would be wholly insulated from such tough policy announcements?

BBC: Protecting the new governor's lifestyle