Housing experts predict U.S. home value growth around 3.5 percent this year. But which markets are leading the charge?

To determine the hottest real estate markets for 2016, the folks at Zillow.com reviewed the Zillow Home Value Index (ZHVI) Forecast, recent income growth and current unemployment rates. These variables were scaled and combined equally to form a “hotness score.”

Here are the top 10 metros:

1. Denver The ZHVI is expected to increase 5 percent year-over-year in the Denver metro, where the unemployment rate is a low 3.1 percent. Neighborhoods in Aurora, Colo.—Delmar Parkway, Highline Villages and Centretech—are the hottest. Denver’s Ruby Hill is also among the metro’s hottest ‘hoods.

2. Seattle In Seattle, the ZHVI is expected to rise 5.4 percent year-over-year. Northwest Bellevue is the area’s hottest neighborhood with the median home value predicted to increase 9.2 percent to $1.15 million year-over-year. Seattle’s University District, Holly Park and Olympic Manor are also hot spots.

3. Dallas-Fort Worth The Dallas-Fort Worth market is holding strong with a 4 percent unemployment rate and solid income growth. The median home value is also expected to go up by 5.6 percent year-over-year, according to the ZHVI Forecast. Holford, Oak Lawn and M Streets are the hottest neighborhoods.

4. Richmond Richmond, Va., is seeing the strongest income growth of the top 10 markets, and unemployment is low. The housing market is also expected to be hot, with the ZHVI increasing 2.2 percent year-over-year. Church Hill, Carytown and The Fan should be the hottest hoods in terms of home value growth.

5. Boise With a 4.7 percent increase in the median home value expected this year, Boise, Idaho, has earned its spot among the hottest real estate markets. At the neighborhood level, Central Bench, North End and Maple Grove-Franklin top the list with a ZHVI Forecast over 5 percent.

6. Ogden Ogden, Utah, is another hot market with strong income growth, low unemployment and a ZHVI expected to increase 4.9 percent year-over-year. The metro’s hottest ZIP codes include 84025 in Farmington, 84037 in Kaysville and 84401 in Ogden proper.

7. Salt Lake City Another Utah metro, Salt Lake City, made the list with a ZHVI Forecast of 4.4 percent. The hottest cities for home value growth are expected to be Grantsville, Erda and Stansbury Park. The 84074 ZIP code in Tooele is also a hot spot.

8. Omaha In Omaha, unemployment is very low at 2.9 percent, incomes are on the rise and home values are trending up. The ZHVI is expected to increase 3.2 percent year-over-year. The 68136 and 68131 ZIP codes in Omaha are hottest, followed by 68066 in Wahoo.

9. Sacramento Sacramento’s median home value is predicted to rise 5.1 percent year-over-year. The Southeast Village, Folsom Road and Hagginwood neighborhoods should lead the way with a ZHVI Forecast over 8 percent.

10. Portland Portland, Ore., is the 10th hottest market for 2016 with the median home value expected to rise 5 percent. Woodlawn is predicted to have the most home value growth (7.2 percent year-over-year), followed by Parkrose (7.1 percent) and Sumner (7 percent).

Source: Zillow.com