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4. Vero Beach, Fla.

Concentration of millionaire households: 13.9%

2005 median family income: $53,250

2005 median home price: $304,800

Cost of living index: 119

Called the "Treasure Coast" for the riches washed up on its beaches centuries ago from shipwrecks, there's still plenty of wealth turning up in the Vero Beach area. With lower home prices than other Florida hotspots such as Miami and Palm Beach, this Atlantic Coast town on Florida's Indian River has been a Mecca for real estate investors looking to unearth riches of their own. Well-to-do retirees and families are also flocking to the area, making it one of the fastest-growing populations in the country.