Clear Capital is out with its home price forecast for the second half of 2011 and the results aren't promising. The group says that while home prices declines in the Twin Cities metro area are expected to slow slighty compared with the first half of the year, prices here are expected to drop significantly compared with the national average.

Despite a second-quarter increase, prices across the country declined 3.2 percent during the first half of the year, and are expected to fall another 2.4 percent by the end of the year.

In the Twin Cities metro are prices from January through June were down 8.9 percent and are expect to fall another 7.1 percent during the second half of the year. Those declines were the third-worst in the nation, performing only worse than Virginia Beach, Virginia and Cleveland, Ohio.

Only five U.S. markets are forecasted to post price gains during the second half of the year. Here are the gainers: Washington, D.C., New York, Orlando, Dallas, and San Francisco.

Despite a shocking forecast for the Twin Cities metro, the report included a couple bits of encouraging news. First, the almost 1 percent gain during the second quarter was the first after nine months of decline. And while bank-owned listings represented slightly more than 30 percent of all sales by the end of June, the rate is down slightly from the end of the first quarter.