| { |
| "snapshotDate": "2026-07-11", |
| "national": { |
| "medianSalePrice": 414900, |
| "medianSalePriceSource": "NAR existing-home sale median (May 2026 report)", |
| "medianIncome": 81604, |
| "incomeSource": "Census ACS 2024 1-year B19013 (median household income)", |
| "ratio": 5.08, |
| "salaryNeeded": 112046, |
| "gap": 30442 |
| }, |
| "assumptions": { |
| "mortgageRatePct": 6.49, |
| "mortgageRateSource": "Freddie Mac PMMS 30-year fixed, week of 2026-07-09", |
| "downPaymentShare": 0.2, |
| "termMonths": 360, |
| "frontEndDTI": 0.28, |
| "propertyTaxRatePerYear": 0.01, |
| "insuranceRatePerYear": 0.005, |
| "priceMetric": "Redfin median LIST price per region (asking-price proxy, not closed-sale median) via Crawlora /redfin/region-trends", |
| "incomeMetric": "Census ACS 2024 1-year B19013 median household income (state / place)" |
| }, |
| "coverage": { |
| "states": 51, |
| "cities": 100, |
| "citiesTargeted": 100 |
| }, |
| "headline": { |
| "leastAffordableStates": [ |
| { |
| "state": "Montana", |
| "ratio": 7.96 |
| }, |
| { |
| "state": "California", |
| "ratio": 7.49 |
| }, |
| { |
| "state": "New York", |
| "ratio": 7.47 |
| }, |
| { |
| "state": "Hawaii", |
| "ratio": 7.44 |
| }, |
| { |
| "state": "Rhode Island", |
| "ratio": 7.07 |
| } |
| ], |
| "mostAffordableStates": [ |
| { |
| "state": "Iowa", |
| "ratio": 3.64 |
| }, |
| { |
| "state": "Ohio", |
| "ratio": 3.95 |
| }, |
| { |
| "state": "Kansas", |
| "ratio": 3.97 |
| }, |
| { |
| "state": "Illinois", |
| "ratio": 4.09 |
| }, |
| { |
| "state": "Pennsylvania", |
| "ratio": 4.13 |
| } |
| ], |
| "leastAffordableCities": [ |
| { |
| "city": "Los Angeles, CA", |
| "ratio": 13.98 |
| }, |
| { |
| "city": "New York, NY", |
| "ratio": 11.55 |
| }, |
| { |
| "city": "Irvine, CA", |
| "ratio": 11.32 |
| }, |
| { |
| "city": "Miami, FL", |
| "ratio": 10.4 |
| }, |
| { |
| "city": "Newark, NJ", |
| "ratio": 10.26 |
| } |
| ], |
| "mostAffordableCities": [ |
| { |
| "city": "Toledo, OH", |
| "ratio": 2.47 |
| }, |
| { |
| "city": "Detroit, MI", |
| "ratio": 2.65 |
| }, |
| { |
| "city": "Baltimore, MD", |
| "ratio": 3.32 |
| }, |
| { |
| "city": "Memphis, TN", |
| "ratio": 3.34 |
| }, |
| { |
| "city": "Cleveland, OH", |
| "ratio": 3.43 |
| } |
| ], |
| "statesAtOrBelow3x": 0 |
| }, |
| "provenance": { |
| "source": "Crawlora structured web-data API (Redfin region trends; Census ACS via web scrape)", |
| "homepage": "https://crawlora.net", |
| "license": "CC BY 4.0" |
| } |
| } |
|
|
