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Bubble risk or not? After surveying a panel of housing experts, Zillow Real Estate Research found there is no clear consensus on the extent of the national cool-down in home prices.

The majority of panelists agreed that U.S. home value growth overall should continue to slow down, but there is a clear divide between the most optimistic and pessimistic experts.

Optimistic panelists expect U.S. home values to rise 4.7 percent next year, while the most pessimistic predicted a growth of 2.3 percent in 2016.

Most respondents could agree, however, that the five-county San Francisco metro area was either in a bubble, or is at significant risk in coming years.

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