At last, sanity is returning to the housing market. Appreciation is still strong -- in fact, median U.S. home prices in 2005 will surpass 2004\'s gain. But forecasters expect the pace to moderate in 2006, closer to the historical average of 4% to 6%. For homeowners, that\'s still an inflation-beating return. Home buyers can expect a retreat from the bidding wars and no-contingency offers that have kept many on the sidelines. And sellers will have to expend more effort to snag a fair price.

\" /> What's Your House Worth?