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The hottest housing market in the U.S. is a small city that can get plenty cold during the winter. In fact, none of the nation’s top 10 markets in July were in the Sunbelt. Instead, they are all northern parts of the U.S., where housing markets have sprung to life. Overall, housing prices were stable across the U.S. in July, according to a Realtor.com survey. But some markets — all in the…