Though not at the bottom of the pack in any category, Indiana is decidedly below average in nearly all of them. In particular, Hoosier State residents shouldn't count on home sales to fund their retirements. From 2010 to 2013, home prices there are expected to tumble by an average of 2% a year, according to Moody's Analytics.

At the same time, wages won't pick up the slack from the souring real-estate market. Currently, the average per capita income in Indiana is $34,196, which is solidly below the national level of $39,423.

• Bing video: Indiana in the black

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