Most Americans think home prices will go up over the next 12 months, especially upper-middle-income households according to a new Bankrate.com report.

Among households earning between $50,000 and $75,000 per year, some 65% expect prices to rise and just 6% expect prices to fall. Twenty-seven percent say they will stay the same and just nine percent forecast a decline.

In July, Bankrate established that 23% of Americans believe real estate is the best way to invest money not needed for more than 10 years. That was the second-most common response, slightly behind cash.

“It seems like Americans’ love affair with real estate has returned,” said Greg McBride, CFA, Bankrate.com’s senior financial analyst. “But there are still some clear headwinds, including rising mortgage rates, stubbornly high unemployment and the relatively low U.S. household savings rate.”

McBride said he didn’t see concern over rising rates reflected in the survey, which was taken during the first week of September. Rather, he said the data indicated a higher degree of confidence in real estate as an investment than the stock market, which “puts a lot of eggs in the homeownership basket,” he said,

Bankrate found that Americans’ financial security turned negative in September for the first time since February. The Financial Security Index slipped from August’s 100.5 reading to 99.5 in September. Readings below 100 indicate deteriorating financial security compared with one year previous.

The readings on debt, net worth and overall financial situation dropped from August to September. Americans’ comfort level with their debt took the biggest hit; those feeling less comfortable than one year ago (21%) now outnumber those feeling more comfortable (17%).

Savings remains a drag on financial security, with those feeling less comfortable with their savings now compared to one year ago outnumbering those feeling more comfortable by a margin of greater than two-to-one. Whether looking at age group, income bracket or educational attainment, no group feels more comfortable with their savings now versus last year.

On a bright note, just one-in-eight employed Americans feel less secure in their jobs now than 12 months ago, a new low since polling began in December 2010.