I don't think a single article like you are asking for can be accurate. There are just too many variables. Let's just take the street that I live on. I bought a foreclosure for $40k less than the previous owner paid. I have also refinanced twice, once to get out of a 80/20 loan, then a second time under VA IRRRL. The second refi cost me nothing. My side of the street pays higher school tax because the other side of the street is a different district. I also have around an 820 FICO.
So what does it cost to live on Uturn St? All I can give is my numbers. I don't know what my neighbors paid, but I do no that there was only 2 foreclosures on this street during the last crash, so I can only assume I will come out better when I sell. I can also refi at no cost. I don't know what the average mortgage rate is, but mine is 3.2%.
I can say that I paid $150k in 2007, and my house now comps out at $225k and I owe $83k. Not bad, but as I said, I paid under market, have a nice interest rate, and have been here 10 years.
