{
  "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"
  }
}