{
  "published_at": "2026-10-02T16:54:03Z",
  "prices": {
    "case_shiller": {
      "code": "CSUSHPINSA",
      "label": "Case-Shiller national",
      "unit": "index",
      "value": 337.31,
      "as_of": "2026-07-01",
      "yoy_pct": 1.93
    },
    "fhfa": {
      "code": "USSTHPI",
      "label": "FHFA US HPI (quarterly)",
      "unit": "index",
      "value": 719.87,
      "as_of": "2026-04-01",
      "yoy_pct": 3.03
    },
    "zhvi": {
      "code": "zhvi_us",
      "label": "Zillow Home Value Index",
      "unit": "$",
      "value": 368696.68,
      "as_of": "2026-08-01",
      "yoy_pct": 1.17
    }
  },
  "rents": {
    "zori": {
      "code": "zori_us",
      "label": "Zillow Observed Rent Index",
      "unit": "$/mo",
      "value": 1947.97,
      "as_of": "2026-08-01",
      "yoy_pct": 2.48
    },
    "aptlist": {
      "code": "aptlist_us",
      "label": "Apartment List national rent",
      "unit": "$/mo",
      "value": 1388.0,
      "as_of": "2026-09-01",
      "yoy_pct": -0.43
    }
  },
  "sales": {
    "code": "EXHOSLUSM495S",
    "label": "Existing home sales (SAAR)",
    "unit": "units",
    "value": 3980000.0,
    "as_of": "2026-08-01",
    "yoy_pct": -1.24
  },
  "mortgage": {
    "pmms_30yr": {
      "value": 7.28,
      "as_of": "2026-10-01"
    },
    "mnd_30yr_daily": {
      "value": 7.49,
      "as_of": "2026-10-02"
    }
  },
  "affordability": {
    "as_of": "2026-08-01",
    "price": 294957,
    "rate_pct": 6.668,
    "payment": 1897,
    "income": 6545,
    "share_pct": 28.98,
    "share_2018_01_pct": 18.7,
    "history": {
      "months": [
        "2018-01-01",
        "2018-02-01",
        "2018-03-01",
        "2018-04-01",
        "2018-05-01",
        "2018-06-01",
        "2018-07-01",
        "2018-08-01",
        "2018-09-01",
        "2018-10-01",
        "2018-11-01",
        "2018-12-01",
        "2019-01-01",
        "2019-02-01",
        "2019-03-01",
        "2019-04-01",
        "2019-05-01",
        "2019-06-01",
        "2019-07-01",
        "2019-08-01",
        "2019-09-01",
        "2019-10-01",
        "2019-11-01",
        "2019-12-01",
        "2020-01-01",
        "2020-02-01",
        "2020-03-01",
        "2020-04-01",
        "2020-05-01",
        "2020-06-01",
        "2020-07-01",
        "2020-08-01",
        "2020-09-01",
        "2020-10-01",
        "2020-11-01",
        "2020-12-01",
        "2021-01-01",
        "2021-02-01",
        "2021-03-01",
        "2021-04-01",
        "2021-05-01",
        "2021-06-01",
        "2021-07-01",
        "2021-08-01",
        "2021-09-01",
        "2021-10-01",
        "2021-11-01",
        "2021-12-01",
        "2022-01-01",
        "2022-02-01",
        "2022-03-01",
        "2022-04-01",
        "2022-05-01",
        "2022-06-01",
        "2022-07-01",
        "2022-08-01",
        "2022-09-01",
        "2022-10-01",
        "2022-11-01",
        "2022-12-01",
        "2023-01-01",
        "2023-02-01",
        "2023-03-01",
        "2023-04-01",
        "2023-05-01",
        "2023-06-01",
        "2023-07-01",
        "2023-08-01",
        "2023-09-01",
        "2023-10-01",
        "2023-11-01",
        "2023-12-01",
        "2024-01-01",
        "2024-02-01",
        "2024-03-01",
        "2024-04-01",
        "2024-05-01",
        "2024-06-01",
        "2024-07-01",
        "2024-08-01",
        "2024-09-01",
        "2024-10-01",
        "2024-11-01",
        "2024-12-01",
        "2025-01-01",
        "2025-02-01",
        "2025-03-01",
        "2025-04-01",
        "2025-05-01",
        "2025-06-01",
        "2025-07-01",
        "2025-08-01",
        "2025-09-01",
        "2025-10-01",
        "2025-11-01",
        "2025-12-01",
        "2026-01-01",
        "2026-02-01",
        "2026-03-01",
        "2026-04-01",
        "2026-05-01",
        "2026-06-01",
        "2026-07-01",
        "2026-08-01"
      ],
      "price": [
        180713,
        181693,
        182827,
        183860,
        184863,
        185591,
        186513,
        187397,
        188292,
        188907,
        189526,
        190187,
        190984,
        191909,
        192887,
        193759,
        194409,
        194980,
        195506,
        196084,
        196593,
        197303,
        198268,
        199403,
        200653,
        201874,
        203144,
        204232,
        204845,
        205189,
        205742,
        207067,
        209343,
        212123,
        215268,
        218332,
        221279,
        224292,
        227436,
        230875,
        234691,
        238794,
        242477,
        245094,
        246692,
        248258,
        250380,
        252996,
        256595,
        260906,
        265974,
        271039,
        275565,
        279349,
        281337,
        281640,
        280607,
        279613,
        278797,
        278056,
        277085,
        276375,
        276325,
        277112,
        278438,
        280018,
        281444,
        282767,
        283767,
        284515,
        285045,
        285396,
        285746,
        286387,
        287635,
        289136,
        290296,
        290751,
        290870,
        291067,
        291432,
        291908,
        292307,
        292889,
        293399,
        293770,
        293548,
        293121,
        292567,
        292068,
        291723,
        291539,
        291735,
        292086,
        292632,
        293271,
        293880,
        294457,
        294854,
        294918,
        294708,
        294513,
        294600,
        294957
      ],
      "rate_pct": [
        4.033,
        4.33,
        4.444,
        4.468,
        4.586,
        4.57,
        4.527,
        4.55,
        4.627,
        4.83,
        4.866,
        4.638,
        4.464,
        4.37,
        4.265,
        4.143,
        4.072,
        3.802,
        3.765,
        3.616,
        3.605,
        3.688,
        3.695,
        3.72,
        3.624,
        3.465,
        3.45,
        3.306,
        3.232,
        3.163,
        3.016,
        2.935,
        2.89,
        2.834,
        2.765,
        2.684,
        2.735,
        2.81,
        3.083,
        3.06,
        2.962,
        2.975,
        2.868,
        2.843,
        2.9,
        3.067,
        3.067,
        3.098,
        3.445,
        3.763,
        4.172,
        4.982,
        5.23,
        5.522,
        5.412,
        5.223,
        6.112,
        6.9,
        6.805,
        6.364,
        6.272,
        6.258,
        6.544,
        6.342,
        6.425,
        6.714,
        6.84,
        7.072,
        7.2,
        7.62,
        7.442,
        6.815,
        6.643,
        6.776,
        6.82,
        6.992,
        7.06,
        6.918,
        6.848,
        6.5,
        6.18,
        6.428,
        6.805,
        6.715,
        6.958,
        6.842,
        6.65,
        6.725,
        6.816,
        6.817,
        6.72,
        6.588,
        6.353,
        6.254,
        6.237,
        6.19,
        6.103,
        6.048,
        6.178,
        6.332,
        6.442,
        6.49,
        6.542,
        6.668
      ],
      "payment": [
        866,
        902,
        920,
        928,
        946,
        948,
        948,
        955,
        968,
        995,
        1002,
        979,
        964,
        958,
        951,
        941,
        936,
        909,
        907,
        893,
        894,
        907,
        912,
        920,
        915,
        903,
        907,
        895,
        890,
        883,
        869,
        866,
        870,
        875,
        881,
        884,
        902,
        923,
        969,
        981,
        985,
        1004,
        1005,
        1013,
        1027,
        1056,
        1065,
        1080,
        1144,
        1210,
        1296,
        1452,
        1518,
        1590,
        1582,
        1550,
        1703,
        1842,
        1818,
        1733,
        1710,
        1703,
        1755,
        1723,
        1746,
        1809,
        1842,
        1895,
        1926,
        2013,
        1982,
        1863,
        1833,
        1862,
        1879,
        1922,
        1943,
        1918,
        1905,
        1840,
        1781,
        1831,
        1907,
        1893,
        1944,
        1923,
        1884,
        1896,
        1910,
        1907,
        1886,
        1860,
        1816,
        1799,
        1799,
        1794,
        1781,
        1774,
        1802,
        1832,
        1852,
        1860,
        1870,
        1897
      ],
      "income": [
        4631,
        4635,
        4654,
        4664,
        4677,
        4685,
        4697,
        4716,
        4735,
        4744,
        4756,
        4777,
        4782,
        4800,
        4813,
        4817,
        4833,
        4848,
        4859,
        4878,
        4881,
        4895,
        4912,
        4919,
        4928,
        4947,
        4980,
        5207,
        5151,
        5093,
        5094,
        5112,
        5115,
        5120,
        5138,
        5184,
        5188,
        5209,
        5205,
        5238,
        5271,
        5294,
        5314,
        5335,
        5370,
        5398,
        5413,
        5441,
        5477,
        5484,
        5512,
        5540,
        5564,
        5580,
        5606,
        5623,
        5645,
        5668,
        5689,
        5710,
        5723,
        5746,
        5767,
        5795,
        5807,
        5840,
        5867,
        5874,
        5895,
        5907,
        5923,
        5944,
        5975,
        5983,
        6006,
        6025,
        6048,
        6068,
        6081,
        6105,
        6126,
        6146,
        6171,
        6186,
        6212,
        6230,
        6259,
        6261,
        6289,
        6302,
        6321,
        6347,
        6361,
        6387,
        6413,
        6417,
        6439,
        6460,
        6474,
        6484,
        6498,
        6516,
        6524,
        6545
      ],
      "share_pct": [
        18.7,
        19.47,
        19.77,
        19.9,
        20.23,
        20.24,
        20.18,
        20.25,
        20.45,
        20.96,
        21.07,
        20.5,
        20.15,
        19.95,
        19.75,
        19.54,
        19.37,
        18.75,
        18.67,
        18.31,
        18.32,
        18.53,
        18.57,
        18.7,
        18.57,
        18.24,
        18.2,
        17.19,
        17.27,
        17.34,
        17.06,
        16.94,
        17.01,
        17.1,
        17.14,
        17.05,
        17.38,
        17.72,
        18.62,
        18.73,
        18.68,
        18.96,
        18.91,
        18.98,
        19.12,
        19.56,
        19.67,
        19.85,
        20.89,
        22.07,
        23.52,
        26.21,
        27.29,
        28.5,
        28.22,
        27.57,
        30.16,
        32.49,
        31.97,
        30.35,
        29.88,
        29.64,
        30.43,
        29.73,
        30.07,
        30.99,
        31.4,
        32.26,
        32.67,
        34.07,
        33.46,
        31.35,
        30.68,
        31.13,
        31.29,
        31.9,
        32.13,
        31.61,
        31.34,
        30.14,
        29.08,
        29.79,
        30.9,
        30.6,
        31.29,
        30.88,
        30.11,
        30.29,
        30.38,
        30.27,
        29.84,
        29.3,
        28.54,
        28.17,
        28.06,
        27.96,
        27.66,
        27.47,
        27.83,
        28.25,
        28.49,
        28.54,
        28.67,
        28.98
      ]
    }
  },
  "parameters": {
    "ltv": 0.8,
    "term_months": 360,
    "hours_per_year": 2080,
    "income_proxy": "CES0500000003 (avg hourly earnings, total private) x 2080 / 12 \u2014 one average private earner, not median household income",
    "rate": "PMMS 30-year, monthly mean of weekly prints"
  }
}
