{ "site": "MortgageMath US", "url": "https://mortgage-math-us.com/", "generated_at": "2026-10-30T01:34:55+00:00", "count": 1394, "license": "Figures come from the public sources cited on each row. Please cite those sources.", "fields": [ "key", "region (US or USPS state code)", "value", "unit", "label", "source_name", "source_url", "as_of", "period" ], "facts": [ { "key": "acs_median_income", "region": "US", "value": "81604", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=010XX00US", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±128", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "US", "value": "1487", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=010XX00US", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±3", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "US", "value": "3211", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=010XX00US", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±7", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "US", "value": "360600", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=010XX00US", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±618", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "US", "value": "1981", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=010XX00US", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "US", "value": "2035", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=010XX00US", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±4", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "US", "value": "65.3", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=010XX00US", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "US", "value": "0.89", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=010XX00US", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "appraisal_copy_bdays", "region": "US", "value": "3", "unit": "bdays", "label": "Lender must give you the appraisal at least this long before closing (or promptly)", "source_name": "CFPB, Regulation B 1002.14", "source_url": "https://www.consumerfinance.gov/rules-policy/regulations/1002/14", "as_of": "2026-10-28", "period": null, "note": "You may waive the timing", "updated_at": "2026-10-28 21:47:44" }, { "key": "apr_tolerance", "region": "US", "value": "0.125", "unit": "pct", "label": "APR change that triggers a new 3-business-day wait (regular loans)", "source_name": "12 CFR 1026.22", "source_url": "https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-C/section-1026.22", "as_of": "2026-10-28", "period": null, "note": "One-eighth of a percentage point; one-quarter for irregular loans", "updated_at": "2026-10-28 21:47:44" }, { "key": "arm_5_6_caps", "region": "US", "value": "2/1/5", "unit": "text", "label": "Rate caps on a Fannie Mae 5/6 ARM (first/periodic/lifetime)", "source_name": "Fannie Mae Standard ARM Plan Matrix", "source_url": "https://singlefamily.fanniemae.com/media/6951/display", "as_of": "2021-10-01", "period": null, "note": "Adjusts every six months", "updated_at": "2026-10-28 21:47:44" }, { "key": "arm_7_6_caps", "region": "US", "value": "5/1/5", "unit": "text", "label": "Rate caps on Fannie Mae 7/6 and 10/6 ARMs (first/periodic/lifetime)", "source_name": "Fannie Mae Standard ARM Plan Matrix", "source_url": "https://singlefamily.fanniemae.com/media/6951/display", "as_of": "2021-10-01", "period": null, "note": null, "updated_at": "2026-10-28 21:47:44" }, { "key": "arm_index", "region": "US", "value": "30-day average SOFR", "unit": "text", "label": "Index on Fannie Mae ARMs", "source_name": "Fannie Mae Selling Guide B2-1.4-02", "source_url": "https://selling-guide.fanniemae.com/sel/b2-1.4-02/adjustable-rate-mortgages-arms", "as_of": "2025-12-10", "period": null, "note": "Published by the Federal Reserve Bank of New York", "updated_at": "2026-10-28 21:47:44" }, { "key": "bls_cpi_yoy", "region": "US", "value": "3.7", "unit": "pct", "label": "Consumer prices, 12-month change (CPI-U, all items)", "source_name": "Bureau of Labor Statistics", "source_url": "https://www.bls.gov/news.release/cpi.nr0.htm", "as_of": "2026-10-14", "period": "September 2026", "note": null, "updated_at": "2026-10-28 21:47:44" }, { "key": "bls_rent_cpi_yoy", "region": "US", "value": "2.8", "unit": "pct", "label": "Rent of primary residence, 12-month change (CPI-U)", "source_name": "Bureau of Labor Statistics", "source_url": "https://www.bls.gov/news.release/cpi.nr0.htm", "as_of": "2026-10-14", "period": "September 2026", "note": "US city average, not seasonally adjusted", "updated_at": "2026-10-28 21:47:44" }, { "key": "cd_business_days", "region": "US", "value": "3", "unit": "bdays", "label": "You receive the Closing Disclosure at least this many business days before closing", "source_name": "CFPB", "source_url": "https://www.consumerfinance.gov/owning-a-home/closing-disclosure/", "as_of": "2026-10-28", "period": null, "note": null, "updated_at": "2026-10-28 19:25:10" }, { "key": "closing_cost_high", "region": "US", "value": "5", "unit": "pct", "label": "Typical closing costs, high end (share of purchase price)", "source_name": "CFPB", "source_url": "https://www.consumerfinance.gov/owning-a-home/prepare/figure-out-how-much-you-want-to-spend/", "as_of": "2026-10-28", "period": null, "note": null, "updated_at": "2026-10-28 19:25:10" }, { "key": "closing_cost_low", "region": "US", "value": "2", "unit": "pct", "label": "Typical closing costs, low end (share of purchase price)", "source_name": "CFPB", "source_url": "https://www.consumerfinance.gov/owning-a-home/prepare/figure-out-how-much-you-want-to-spend/", "as_of": "2026-10-28", "period": null, "note": "Not including the down payment", "updated_at": "2026-10-28 19:25:10" }, { "key": "community_seconds_cltv", "region": "US", "value": "105", "unit": "pct", "label": "Fannie Mae Community Seconds maximum combined LTV", "source_name": "Fannie Mae Selling Guide B5-5.1-02", "source_url": "https://selling-guide.fanniemae.com/sel/b5-5.1-02/community-seconds-loan-eligibility", "as_of": "2023-05-03", "period": null, "note": null, "updated_at": "2026-10-28 21:47:44" }, { "key": "community_seconds_defer_years", "region": "US", "value": "5", "unit": "years", "label": "Community Seconds payments deferred at least this long are left out of the debt-to-income ratio", "source_name": "Fannie Mae Selling Guide B5-5.1-02", "source_url": "https://selling-guide.fanniemae.com/sel/b5-5.1-02/community-seconds-loan-eligibility", "as_of": "2023-05-03", "period": null, "note": null, "updated_at": "2026-10-28 22:27:08" }, { "key": "conforming_limit_baseline", "region": "US", "value": "832750", "unit": "usd", "label": "2026 baseline conforming loan limit (one-unit)", "source_name": "FHFA", "source_url": "https://www.fhfa.gov/news/news-release/fhfa-announces-conforming-loan-limit-values-for-2026", "as_of": "2025-11-25", "period": "2026 limit", "note": null, "updated_at": "2026-10-28 19:25:10" }, { "key": "conforming_limit_ceiling", "region": "US", "value": "1249125", "unit": "usd", "label": "2026 high-cost area conforming ceiling (one-unit)", "source_name": "FHFA", "source_url": "https://www.fhfa.gov/news/news-release/fhfa-announces-conforming-loan-limit-values-for-2026", "as_of": "2025-11-25", "period": "2026 limit", "note": "150% of the baseline", "updated_at": "2026-10-28 19:25:10" }, { "key": "conforming_limit_prior", "region": "US", "value": "806500", "unit": "usd", "label": "2025 baseline conforming loan limit (one-unit)", "source_name": "FHFA", "source_url": "https://www.fhfa.gov/news/news-release/fhfa-announces-conforming-loan-limit-values-for-2026", "as_of": "2025-11-25", "period": "2025 limit", "note": "2026 baseline minus the announced $26,250 increase", "updated_at": "2026-10-28 19:25:10" }, { "key": "conv_min_down", "region": "US", "value": "3", "unit": "pct", "label": "Minimum down payment on some conventional loans", "source_name": "CFPB", "source_url": "https://www.consumerfinance.gov/owning-a-home/prepare/figure-out-how-much-you-want-to-spend/", "as_of": "2026-10-28", "period": null, "note": "Fannie Mae and Freddie Mac low-down-payment loans", "updated_at": "2026-10-28 19:25:10" }, { "key": "credit_shopping_days", "region": "US", "value": "45", "unit": "days", "label": "Mortgage credit checks within this window count as one inquiry", "source_name": "CFPB", "source_url": "https://www.consumerfinance.gov/ask-cfpb/what-exactly-happens-when-a-mortgage-lender-checks-my-credit-en-2005/", "as_of": "2026-08-28", "period": null, "note": null, "updated_at": "2026-10-28 21:47:44" }, { "key": "emergency_months_high", "region": "US", "value": "6", "unit": "months", "label": "CFPB: emergency cushion, high end (months of expenses)", "source_name": "CFPB", "source_url": "https://www.consumerfinance.gov/owning-a-home/prepare/figure-out-how-much-you-want-to-spend/", "as_of": "2026-10-28", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-28 22:27:08" }, { "key": "emergency_months_low", "region": "US", "value": "3", "unit": "months", "label": "CFPB: emergency cushion, low end (months of expenses)", "source_name": "CFPB", "source_url": "https://www.consumerfinance.gov/owning-a-home/prepare/figure-out-how-much-you-want-to-spend/", "as_of": "2026-10-28", "period": null, "note": "Checked Oct 2026; “usually three to six months’ worth of expenses”", "updated_at": "2026-10-28 22:27:08" }, { "key": "escrow_cushion_months", "region": "US", "value": "2", "unit": "months", "label": "Most an escrow account may hold as a cushion (one-sixth of annual escrow payments)", "source_name": "CFPB, Regulation X 1024.17", "source_url": "https://www.consumerfinance.gov/rules-policy/regulations/1024/17/", "as_of": "2026-10-28", "period": null, "note": "One-sixth of estimated total annual payments", "updated_at": "2026-10-28 21:47:44" }, { "key": "escrow_shortage_months", "region": "US", "value": "12", "unit": "months", "label": "Escrow shortage of a month’s payment or more: if the servicer collects it, repayment is spread over at least", "source_name": "12 CFR 1024.17(f)(3) (Regulation X)", "source_url": "https://www.consumerfinance.gov/rules-policy/regulations/1024/17/", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 10:28:37" }, { "key": "escrow_shortage_small_days", "region": "US", "value": "30", "unit": "days", "label": "Escrow shortage of less than a month’s escrow payment: the servicer may ask for repayment within", "source_name": "12 CFR 1024.17(f)(3) (Regulation X)", "source_url": "https://www.consumerfinance.gov/rules-policy/regulations/1024/17/", "as_of": "2026-10-29", "period": null, "note": "Or leave the shortage in place, or spread it over at least 12 months; checked Oct 2026", "updated_at": "2026-10-29 10:28:41" }, { "key": "escrow_surplus_refund_days", "region": "US", "value": "30", "unit": "days", "label": "Escrow surplus refund due within this long after the annual escrow analysis", "source_name": "12 CFR 1024.17(f)(2) (Regulation X)", "source_url": "https://www.consumerfinance.gov/rules-policy/regulations/1024/17/", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 10:28:37" }, { "key": "escrow_surplus_refund_min", "region": "US", "value": "50", "unit": "usd", "label": "Escrow surplus at or above this amount must be refunded to a current borrower", "source_name": "12 CFR 1024.17(f)(2) (Regulation X)", "source_url": "https://www.consumerfinance.gov/rules-policy/regulations/1024/17/", "as_of": "2026-10-29", "period": null, "note": "Refund due within 30 days of the escrow analysis; checked Oct 2026", "updated_at": "2026-10-29 10:28:37" }, { "key": "fannie_arm_max_margin", "region": "US", "value": "3", "unit": "pct", "label": "Fannie Mae ARMs: highest margin allowed (percentage points over the index); the rate can never fall below the margin", "source_name": "Fannie Mae Selling Guide B2-1.4-02", "source_url": "https://selling-guide.fanniemae.com/sel/b2-1.4-02/adjustable-rate-mortgages-arms", "as_of": "2025-12-10", "period": null, "note": "300 basis points", "updated_at": "2026-10-29 10:37:17" }, { "key": "fannie_arm_qual_years", "region": "US", "value": "5", "unit": "years", "label": "Fannie Mae: ARMs with an initial fixed period this long or shorter must qualify at a higher rate", "source_name": "Fannie Mae Selling Guide B3-6-04", "source_url": "https://selling-guide.fanniemae.com/sel/b3-6-04/qualifying-payment-requirements", "as_of": "2024-02-07", "period": null, "note": "Five-year fixed period: greater of the highest rate possible in the first five years (note rate plus first change cap) or the fully indexed rate; longer fixed periods: no less than the note rate (fully indexed rate if higher-priced)", "updated_at": "2026-10-29 10:37:17" }, { "key": "fannie_cashout_max_ltv", "region": "US", "value": "80", "unit": "pct", "label": "Fannie Mae cash-out refinance maximum LTV, one-unit principal residence", "source_name": "Fannie Mae Eligibility Matrix", "source_url": "https://singlefamily.fanniemae.com/media/20786/display", "as_of": "2026-04-01", "period": null, "note": null, "updated_at": "2026-10-28 21:47:44" }, { "key": "fannie_cashout_max_ltv_2to4", "region": "US", "value": "75", "unit": "pct", "label": "Fannie Mae cash-out refinance maximum LTV, two- to four-unit principal residence", "source_name": "Fannie Mae Eligibility Matrix", "source_url": "https://singlefamily.fanniemae.com/media/20786/display", "as_of": "2026-04-01", "period": null, "note": "DU", "updated_at": "2026-10-28 22:30:35" }, { "key": "fannie_cashout_max_ltv_investment", "region": "US", "value": "75", "unit": "pct", "label": "Fannie Mae cash-out refinance maximum LTV, one-unit investment property", "source_name": "Fannie Mae Eligibility Matrix", "source_url": "https://singlefamily.fanniemae.com/media/20786/display", "as_of": "2026-04-01", "period": null, "note": "DU; 70% for two to four units", "updated_at": "2026-10-28 22:30:35" }, { "key": "fannie_cashout_max_ltv_second_home", "region": "US", "value": "75", "unit": "pct", "label": "Fannie Mae cash-out refinance maximum LTV, second home", "source_name": "Fannie Mae Eligibility Matrix", "source_url": "https://singlefamily.fanniemae.com/media/20786/display", "as_of": "2026-04-01", "period": null, "note": "DU; one unit", "updated_at": "2026-10-28 22:30:35" }, { "key": "fannie_cashout_seasoning", "region": "US", "value": "12", "unit": "months", "label": "Fannie Mae cash-out: existing first mortgage must be at least", "source_name": "Fannie Mae Selling Guide B2-1.3-03", "source_url": "https://selling-guide.fanniemae.com/sel/b2-1.3-03/cash-out-refinance-transactions", "as_of": "2025-12-10", "period": null, "note": "At least one borrower on title for six months", "updated_at": "2026-10-28 21:47:44" }, { "key": "fannie_cashout_title_months", "region": "US", "value": "6", "unit": "months", "label": "Fannie Mae cash-out: at least one borrower on title for at least", "source_name": "Fannie Mae Selling Guide B2-1.3-03", "source_url": "https://selling-guide.fanniemae.com/sel/b2-1.3-03/cash-out-refinance-transactions", "as_of": "2025-12-10", "period": null, "note": "Before the new loan is disbursed; exceptions include inheritance and delayed financing", "updated_at": "2026-10-28 22:30:35" }, { "key": "fannie_ctp_period_months", "region": "US", "value": "12", "unit": "months", "label": "Fannie Mae single-closing construction loan: longest single construction period", "source_name": "Fannie Mae Selling Guide B5-3.1-02", "source_url": "https://selling-guide.fanniemae.com/sel/b5-3.1-02/conversion-construction-permanent-financing-single-closing-transactions", "as_of": "2026-05-06", "period": null, "note": "No exceptions granted", "updated_at": "2026-10-28 22:30:47" }, { "key": "fannie_ctp_total_months", "region": "US", "value": "18", "unit": "months", "label": "Fannie Mae single-closing construction loan: longest total construction period, extensions included", "source_name": "Fannie Mae Selling Guide B5-3.1-02", "source_url": "https://selling-guide.fanniemae.com/sel/b5-3.1-02/conversion-construction-permanent-financing-single-closing-transactions", "as_of": "2026-05-06", "period": null, "note": "Permanent term up to 30 years after conversion", "updated_at": "2026-10-28 22:30:47" }, { "key": "fannie_doc_age_months", "region": "US", "value": "4", "unit": "months", "label": "Fannie Mae: credit, income, employment and asset documents may be no older than this on the note date", "source_name": "Fannie Mae Selling Guide B1-1-03", "source_url": "https://selling-guide.fanniemae.com/sel/b1-1-03/allowable-age-credit-documents-and-federal-income-tax-returns", "as_of": "2025-04-02", "period": null, "note": "Credit documents include credit reports and employment, income and asset documentation", "updated_at": "2026-10-28 22:29:40" }, { "key": "fannie_du_max_dti", "region": "US", "value": "50", "unit": "pct", "label": "Fannie Mae maximum DTI, Desktop Underwriter loans", "source_name": "Fannie Mae Selling Guide B3-6-02", "source_url": "https://selling-guide.fanniemae.com/sel/b3-6-02/debt-income-ratios", "as_of": "2025-04-02", "period": null, "note": null, "updated_at": "2026-10-28 19:25:10" }, { "key": "fannie_edu_ltv", "region": "US", "value": "95", "unit": "pct", "label": "Fannie Mae requires homebuyer education above this LTV when all borrowers are first-time buyers", "source_name": "Fannie Mae Selling Guide B2-2-06", "source_url": "https://selling-guide.fanniemae.com/sel/b2-2-06/homeownership-education-and-housing-counseling", "as_of": "2025-11-05", "period": null, "note": null, "updated_at": "2026-10-28 21:47:44" }, { "key": "fannie_foreclosure_ext_max_ltv", "region": "US", "value": "90", "unit": "pct", "label": "Fannie Mae maximum LTV/CLTV/HCLTV between three and seven years after a foreclosure with extenuating circumstances", "source_name": "Fannie Mae Selling Guide B3-5.3-07", "source_url": "https://selling-guide.fanniemae.com/sel/b3-5.3-07/significant-derogatory-credit-events-waiting-periods-and-re-establishing-credit", "as_of": "2019-08-07", "period": null, "note": "Lesser of 90% or the Eligibility Matrix maximum, principal-residence purchase or limited cash-out refinance only, checked Oct 2026", "updated_at": "2026-10-29 10:35:22" }, { "key": "fannie_fthb_ltv", "region": "US", "value": "95", "unit": "pct", "label": "Fannie Mae: above this LTV, at least one borrower must be a first-time buyer (non-HomeReady, no Community Seconds)", "source_name": "Fannie Mae Eligibility Matrix", "source_url": "https://singlefamily.fanniemae.com/media/20786/display", "as_of": "2026-04-01", "period": null, "note": "Matrix note (1); does not apply to HomeReady", "updated_at": "2026-10-28 22:27:08" }, { "key": "fannie_fthb_years", "region": "US", "value": "3", "unit": "years", "label": "Fannie Mae: first-time buyer had no ownership interest in the past", "source_name": "Fannie Mae Selling Guide E-3-06", "source_url": "https://selling-guide.fanniemae.com/sel/e-3-06/acronyms-and-glossary-defined-terms-f", "as_of": "2025-09-03", "period": null, "note": null, "updated_at": "2026-10-28 21:47:44" }, { "key": "fannie_gift_min_contrib", "region": "US", "value": "5", "unit": "pct", "label": "Fannie Mae: own funds required above 80% LTV on a two- to four-unit principal residence or second home", "source_name": "Fannie Mae Selling Guide B3-4.3-04", "source_url": "https://selling-guide.fanniemae.com/sel/b3-4.3-04/personal-gifts", "as_of": "2026-02-04", "period": null, "note": "No minimum contribution on a one-unit principal residence; gifts not allowed on investment property", "updated_at": "2026-10-28 22:29:40" }, { "key": "fannie_homestyle_complete_months", "region": "US", "value": "15", "unit": "months", "label": "Fannie Mae HomeStyle Renovation: work must be completed within this long of closing", "source_name": "Fannie Mae FAQs: HomeStyle Renovation", "source_url": "https://singlefamily.fanniemae.com/learning-center/originating-and-underwriting/faqs-homestyle-renovation", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026; applies to loans delivered before the renovation is complete", "updated_at": "2026-10-29 10:37:17" }, { "key": "fannie_homestyle_mh_pct", "region": "US", "value": "50", "unit": "pct", "label": "Fannie Mae HomeStyle Renovation, manufactured homes: renovation costs may not exceed this share of the as-completed value", "source_name": "Fannie Mae Selling Guide B5-3.2-02", "source_url": "https://selling-guide.fanniemae.com/sel/b5-3.2-02/homestyle-renovation-mortgages-loan-and-borrower-eligibility", "as_of": "2025-12-10", "period": null, "note": null, "updated_at": "2026-10-29 10:37:17" }, { "key": "fannie_homestyle_pitia_months", "region": "US", "value": "6", "unit": "months", "label": "Fannie Mae HomeStyle Renovation: payments (PITIA) that may be financed when the home can’t be lived in during the work", "source_name": "Fannie Mae Selling Guide B5-3.2-02", "source_url": "https://selling-guide.fanniemae.com/sel/b5-3.2-02/homestyle-renovation-mortgages-loan-and-borrower-eligibility", "as_of": "2025-12-10", "period": null, "note": "Principal residences only", "updated_at": "2026-10-29 10:37:17" }, { "key": "fannie_homestyle_reno_pct", "region": "US", "value": "75", "unit": "pct", "label": "Fannie Mae HomeStyle Renovation: renovation costs may not exceed this share of the as-completed value (purchases: of the lesser of price plus renovation costs or as-completed value)", "source_name": "Fannie Mae Selling Guide B5-3.2-02", "source_url": "https://selling-guide.fanniemae.com/sel/b5-3.2-02/homestyle-renovation-mortgages-loan-and-borrower-eligibility", "as_of": "2025-12-10", "period": null, "note": null, "updated_at": "2026-10-29 10:37:17" }, { "key": "fannie_income_continuance_years", "region": "US", "value": "3", "unit": "years", "label": "Fannie Mae: income with an end date must be expected to continue at least", "source_name": "Fannie Mae Selling Guide B3-3.1-01", "source_url": "https://selling-guide.fanniemae.com/sel/b3-3.1-01/general-income-information", "as_of": "2026-10-07", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 10:35:22" }, { "key": "fannie_ins_deductible_max", "region": "US", "value": "5", "unit": "pct", "label": "Fannie Mae: largest property insurance deductible allowed (share of the coverage amount)", "source_name": "Fannie Mae Selling Guide B7-3-02", "source_url": "https://selling-guide.fanniemae.com/sel/b7-3-02/property-insurance-requirements-one-four-unit-properties", "as_of": "2026-08-05", "period": null, "note": "Applies to each peril’s deductible separately; one- to four-unit properties", "updated_at": "2026-10-29 10:31:52" }, { "key": "fannie_installment_months", "region": "US", "value": "10", "unit": "count", "label": "Fannie Mae: installment debts count in DTI when more than this many payments remain", "source_name": "Fannie Mae Selling Guide B3-6-05", "source_url": "https://selling-guide.fanniemae.com/sel/b3-6-05/monthly-debt-obligations", "as_of": "2026-08-05", "period": null, "note": "Fewer payments still count if they significantly affect ability to pay", "updated_at": "2026-10-28 22:29:40" }, { "key": "fannie_ipc_75", "region": "US", "value": "9", "unit": "pct", "label": "Fannie Mae: most an interested party may pay toward closing costs, principal residence or second home, LTV/CLTV 75% or less", "source_name": "Fannie Mae Selling Guide B3-4.1-02", "source_url": "https://selling-guide.fanniemae.com/sel/b3-4.1-02/interested-party-contributions-ipcs", "as_of": "2025-05-07", "period": null, "note": "Share of the lower of sales price or appraised value", "updated_at": "2026-10-29 10:27:45" }, { "key": "fannie_ipc_75to90", "region": "US", "value": "6", "unit": "pct", "label": "Fannie Mae: most an interested party may pay toward closing costs, principal residence or second home, LTV/CLTV 75.01–90%", "source_name": "Fannie Mae Selling Guide B3-4.1-02", "source_url": "https://selling-guide.fanniemae.com/sel/b3-4.1-02/interested-party-contributions-ipcs", "as_of": "2025-05-07", "period": null, "note": "Share of the lower of sales price or appraised value", "updated_at": "2026-10-29 10:27:45" }, { "key": "fannie_ipc_investment", "region": "US", "value": "2", "unit": "pct", "label": "Fannie Mae: most an interested party may pay toward closing costs, investment property", "source_name": "Fannie Mae Selling Guide B3-4.1-02", "source_url": "https://selling-guide.fanniemae.com/sel/b3-4.1-02/interested-party-contributions-ipcs", "as_of": "2025-05-07", "period": null, "note": "All CLTV ratios", "updated_at": "2026-10-29 10:27:45" }, { "key": "fannie_ipc_over90", "region": "US", "value": "3", "unit": "pct", "label": "Fannie Mae: most an interested party may pay toward closing costs, principal residence or second home, LTV/CLTV above 90%", "source_name": "Fannie Mae Selling Guide B3-4.1-02", "source_url": "https://selling-guide.fanniemae.com/sel/b3-4.1-02/interested-party-contributions-ipcs", "as_of": "2025-05-07", "period": null, "note": "Share of the lower of sales price or appraised value; financing concessions above the limit are treated as sales concessions", "updated_at": "2026-10-29 10:27:45" }, { "key": "fannie_lco_cash_pct", "region": "US", "value": "1", "unit": "pct", "label": "Fannie Mae limited cash-out refinance: cash back up to the greater of this share of the loan", "source_name": "Fannie Mae Selling Guide B2-1.3-02", "source_url": "https://selling-guide.fanniemae.com/sel/b2-1.3-02/limited-cash-out-refinance-transactions", "as_of": "2025-10-08", "period": null, "note": "Or $2,000, whichever is greater", "updated_at": "2026-10-28 21:47:44" }, { "key": "fannie_lco_cash_usd", "region": "US", "value": "2000", "unit": "usd", "label": "Fannie Mae limited cash-out refinance: cash back up to the greater of 1% or", "source_name": "Fannie Mae Selling Guide B2-1.3-02", "source_url": "https://selling-guide.fanniemae.com/sel/b2-1.3-02/limited-cash-out-refinance-transactions", "as_of": "2025-10-08", "period": null, "note": null, "updated_at": "2026-10-28 21:47:44" }, { "key": "fannie_lco_max_ltv", "region": "US", "value": "97", "unit": "pct", "label": "Fannie Mae limited cash-out refinance maximum LTV, one-unit principal residence (fixed rate)", "source_name": "Fannie Mae Eligibility Matrix", "source_url": "https://singlefamily.fanniemae.com/media/20786/display", "as_of": "2026-04-01", "period": null, "note": "DU; 95% for ARMs; extra requirements above 95%", "updated_at": "2026-10-28 22:30:35" }, { "key": "fannie_manual_dti", "region": "US", "value": "36", "unit": "pct", "label": "Fannie Mae maximum DTI, manually underwritten loans", "source_name": "Fannie Mae Selling Guide B3-6-02", "source_url": "https://selling-guide.fanniemae.com/sel/b3-6-02/debt-income-ratios", "as_of": "2025-04-02", "period": null, "note": "Up to 45% with the credit score and reserves in the Eligibility Matrix", "updated_at": "2026-10-28 19:25:10" }, { "key": "fannie_manual_dti_max", "region": "US", "value": "45", "unit": "pct", "label": "Fannie Mae maximum DTI, manual underwriting with strong credit and reserves", "source_name": "Fannie Mae Selling Guide B3-6-02", "source_url": "https://selling-guide.fanniemae.com/sel/b3-6-02/debt-income-ratios", "as_of": "2025-04-02", "period": null, "note": null, "updated_at": "2026-10-28 19:25:10" }, { "key": "fannie_manual_min_score", "region": "US", "value": "620", "unit": "score", "label": "Fannie Mae minimum score, manually underwritten fixed-rate loans", "source_name": "Fannie Mae Selling Guide B3-5.1-01", "source_url": "https://selling-guide.fanniemae.com/sel/b3-5.1-01/general-requirements-credit-scores", "as_of": "2026-04-22", "period": null, "note": "640 for ARMs; no minimum score for DU loan casefiles", "updated_at": "2026-10-28 19:25:10" }, { "key": "fannie_max_financed", "region": "US", "value": "10", "unit": "count", "label": "Fannie Mae: most financed properties a borrower may have when buying a second home or investment property (DU)", "source_name": "Fannie Mae Selling Guide B2-2-03", "source_url": "https://selling-guide.fanniemae.com/sel/b2-2-03/multiple-financed-properties-same-borrower", "as_of": "2025-11-05", "period": null, "note": "Additional reserves required", "updated_at": "2026-10-28 22:30:47" }, { "key": "fannie_max_ltv_investment", "region": "US", "value": "85", "unit": "pct", "label": "Fannie Mae maximum LTV, one-unit investment property purchase", "source_name": "Fannie Mae Eligibility Matrix", "source_url": "https://singlefamily.fanniemae.com/media/20786/display", "as_of": "2026-04-01", "period": null, "note": null, "updated_at": "2026-10-28 21:47:44" }, { "key": "fannie_max_ltv_purchase", "region": "US", "value": "97", "unit": "pct", "label": "Fannie Mae maximum LTV, one-unit principal residence purchase", "source_name": "Fannie Mae Eligibility Matrix", "source_url": "https://singlefamily.fanniemae.com/media/20786/display", "as_of": "2026-04-01", "period": null, "note": "Fixed-rate; 95% for ARMs", "updated_at": "2026-10-28 21:47:44" }, { "key": "fannie_max_ltv_second_home", "region": "US", "value": "90", "unit": "pct", "label": "Fannie Mae maximum LTV, second home purchase", "source_name": "Fannie Mae Eligibility Matrix", "source_url": "https://singlefamily.fanniemae.com/media/20786/display", "as_of": "2026-04-01", "period": null, "note": null, "updated_at": "2026-10-28 21:47:44" }, { "key": "fannie_nonocc_du_ltv", "region": "US", "value": "95", "unit": "pct", "label": "Fannie Mae DU loans with a co-signer, guarantor or co-borrower who won’t live in the home: maximum LTV/CLTV/HCLTV", "source_name": "Fannie Mae Selling Guide B2-2-04", "source_url": "https://selling-guide.fanniemae.com/sel/b2-2-04/guarantors-co-signers-or-non-occupant-borrowers-subject-transaction", "as_of": "2020-09-02", "period": null, "note": "CLTV up to 105% with a Community Seconds if the Eligibility Matrix allows", "updated_at": "2026-10-29 10:37:17" }, { "key": "fannie_nonocc_manual_ltv", "region": "US", "value": "90", "unit": "pct", "label": "Fannie Mae manually underwritten loans using a non-occupant borrower’s income: maximum LTV/CLTV/HCLTV", "source_name": "Fannie Mae Selling Guide B2-2-04", "source_url": "https://selling-guide.fanniemae.com/sel/b2-2-04/guarantors-co-signers-or-non-occupant-borrowers-subject-transaction", "as_of": "2020-09-02", "period": null, "note": "CLTV up to 105% with a Community Seconds if the Eligibility Matrix allows", "updated_at": "2026-10-29 10:37:17" }, { "key": "fannie_nonocc_occ_dti", "region": "US", "value": "43", "unit": "pct", "label": "Fannie Mae manually underwritten loans using a non-occupant borrower’s income: highest DTI for the occupying borrower(s), on their income alone", "source_name": "Fannie Mae Selling Guide B2-2-04", "source_url": "https://selling-guide.fanniemae.com/sel/b2-2-04/guarantors-co-signers-or-non-occupant-borrowers-subject-transaction", "as_of": "2020-09-02", "period": null, "note": null, "updated_at": "2026-10-29 10:37:17" }, { "key": "fannie_paid_by_others_months", "region": "US", "value": "12", "unit": "months", "label": "Fannie Mae: a mortgage you are obligated on but someone else pays can be left out of your DTI with this many months of on-time payments documented", "source_name": "Fannie Mae Selling Guide B3-6-05", "source_url": "https://selling-guide.fanniemae.com/sel/b3-6-05/monthly-debt-obligations", "as_of": "2026-08-05", "period": null, "note": "The paying party must be obligated on the mortgage; canceled checks or bank statements for the most recent 12 months, no delinquencies", "updated_at": "2026-10-29 10:37:17" }, { "key": "fannie_pmi_value_ltv_2to5", "region": "US", "value": "75", "unit": "pct", "label": "Fannie Mae: PMI cancellation on current value, loan two to five years old, LTV at or below", "source_name": "Fannie Mae Servicing Guide B-8.1-04", "source_url": "https://servicing-guide.fanniemae.com/svc/b-8.1-04/termination-conventional-mortgage-insurance", "as_of": "2019-05-15", "period": null, "note": "Current value from a valuation the servicer orders", "updated_at": "2026-10-28 22:30:35" }, { "key": "fannie_pmi_value_ltv_5plus", "region": "US", "value": "80", "unit": "pct", "label": "Fannie Mae: PMI cancellation on current value, loan over five years old, LTV at or below", "source_name": "Fannie Mae Servicing Guide B-8.1-04", "source_url": "https://servicing-guide.fanniemae.com/svc/b-8.1-04/termination-conventional-mortgage-insurance", "as_of": "2019-05-15", "period": null, "note": "Also 80% when improvements raised the value", "updated_at": "2026-10-28 22:30:35" }, { "key": "fannie_pmi_value_seasoning", "region": "US", "value": "2", "unit": "years", "label": "Fannie Mae: PMI cancellation on current value needs the loan to be at least", "source_name": "Fannie Mae Servicing Guide B-8.1-04", "source_url": "https://servicing-guide.fanniemae.com/svc/b-8.1-04/termination-conventional-mortgage-insurance", "as_of": "2019-05-15", "period": null, "note": "Borrower-requested; one-unit principal residence or second home", "updated_at": "2026-10-28 22:30:35" }, { "key": "fannie_rent_factor", "region": "US", "value": "75", "unit": "pct", "label": "Fannie Mae: share of gross monthly rent counted as net rental income (subject property)", "source_name": "Fannie Mae Selling Guide B3-3.8-02", "source_url": "https://selling-guide.fanniemae.com/sel/b3-3.8-02/rental-income-subject-property", "as_of": "2026-09-02", "period": null, "note": "PITIA is then subtracted to get adjusted net rental income", "updated_at": "2026-10-28 22:30:47" }, { "key": "fannie_reserves_6mo", "region": "US", "value": "6", "unit": "months", "label": "Fannie Mae minimum reserves: two- to four-unit principal residence, investment property, or cash-out refinance with DTI above 45% (DU loans)", "source_name": "Fannie Mae Selling Guide B3-4.1-01", "source_url": "https://selling-guide.fanniemae.com/sel/b3-4.1-01/minimum-reserve-requirements", "as_of": "2024-08-07", "period": null, "note": "Months of the new loan’s PITIA; more for other financed properties", "updated_at": "2026-10-29 10:27:45" }, { "key": "fannie_reserves_other_1to4", "region": "US", "value": "2", "unit": "pct", "label": "Fannie Mae extra reserves with one to four other financed properties (share of their combined unpaid balances)", "source_name": "Fannie Mae Selling Guide B3-4.1-01", "source_url": "https://selling-guide.fanniemae.com/sel/b3-4.1-01/minimum-reserve-requirements", "as_of": "2024-08-07", "period": null, "note": "Applies when buying a second home or investment property; excludes the subject property and principal residence", "updated_at": "2026-10-29 10:31:52" }, { "key": "fannie_reserves_other_5to6", "region": "US", "value": "4", "unit": "pct", "label": "Fannie Mae extra reserves with five or six other financed properties (share of their combined unpaid balances)", "source_name": "Fannie Mae Selling Guide B3-4.1-01", "source_url": "https://selling-guide.fanniemae.com/sel/b3-4.1-01/minimum-reserve-requirements", "as_of": "2024-08-07", "period": null, "note": null, "updated_at": "2026-10-29 10:31:52" }, { "key": "fannie_reserves_other_7to10", "region": "US", "value": "6", "unit": "pct", "label": "Fannie Mae extra reserves with seven to ten other financed properties (share of their combined unpaid balances, DU only)", "source_name": "Fannie Mae Selling Guide B3-4.1-01", "source_url": "https://selling-guide.fanniemae.com/sel/b3-4.1-01/minimum-reserve-requirements", "as_of": "2024-08-07", "period": null, "note": null, "updated_at": "2026-10-29 10:31:52" }, { "key": "fannie_reserves_second_home", "region": "US", "value": "2", "unit": "months", "label": "Fannie Mae minimum reserves, second home (DU loans)", "source_name": "Fannie Mae Selling Guide B3-4.1-01", "source_url": "https://selling-guide.fanniemae.com/sel/b3-4.1-01/minimum-reserve-requirements", "as_of": "2024-08-07", "period": null, "note": "Months of the new loan’s PITIA; no minimum for a one-unit principal residence unless DU requires it", "updated_at": "2026-10-29 10:27:45" }, { "key": "fannie_revolving_pct", "region": "US", "value": "5", "unit": "pct", "label": "Fannie Mae: monthly payment counted for a revolving account with no reported payment, share of balance", "source_name": "Fannie Mae Selling Guide B3-6-05", "source_url": "https://selling-guide.fanniemae.com/sel/b3-6-05/monthly-debt-obligations", "as_of": "2026-08-05", "period": null, "note": "DU uses the greater of $10 or 5% when no payment is entered", "updated_at": "2026-10-28 22:29:40" }, { "key": "fannie_se_business_years", "region": "US", "value": "5", "unit": "years", "label": "Fannie Mae: business age that allows one year of tax returns, or waiving business returns", "source_name": "Fannie Mae Selling Guide B3-3.5-01", "source_url": "https://selling-guide.fanniemae.com/sel/b3-3.5-01/underwriting-factors-and-documentation-self-employed-borrower", "as_of": "2023-12-13", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 10:35:22" }, { "key": "fannie_se_history_years", "region": "US", "value": "2", "unit": "years", "label": "Fannie Mae: history of self-employment earnings generally required", "source_name": "Fannie Mae Selling Guide B3-3.5-01", "source_url": "https://selling-guide.fanniemae.com/sel/b3-3.5-01/underwriting-factors-and-documentation-self-employed-borrower", "as_of": "2023-12-13", "period": null, "note": "Shorter history possible with a full year in the current business and prior income in a similar field, checked Oct 2026", "updated_at": "2026-10-29 10:35:22" }, { "key": "fannie_se_ownership_pct", "region": "US", "value": "25", "unit": "pct", "label": "Fannie Mae: ownership share in a business that makes a borrower self-employed", "source_name": "Fannie Mae Selling Guide B3-3.5-01", "source_url": "https://selling-guide.fanniemae.com/sel/b3-3.5-01/underwriting-factors-and-documentation-self-employed-borrower", "as_of": "2023-12-13", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 10:35:22" }, { "key": "fannie_student_loan_pct", "region": "US", "value": "1", "unit": "pct", "label": "Fannie Mae: monthly payment counted for a deferred or forbearance student loan, share of balance", "source_name": "Fannie Mae Selling Guide B3-6-05", "source_url": "https://selling-guide.fanniemae.com/sel/b3-6-05/monthly-debt-obligations", "as_of": "2026-08-05", "period": null, "note": "Or a fully amortizing payment from the documented terms; a documented $0 income-driven payment may be used", "updated_at": "2026-10-28 22:29:40" }, { "key": "fannie_variable_min_months", "region": "US", "value": "12", "unit": "months", "label": "Fannie Mae: shortest history for bonus, overtime, commission or tip income (with positive factors)", "source_name": "Fannie Mae Selling Guide B3-3.3-02", "source_url": "https://selling-guide.fanniemae.com/sel/b3-3.3-02/bonus-commission-overtime-and-tip-income", "as_of": "2026-03-04", "period": null, "note": "The calculation must include at least 12 months of income, checked Oct 2026", "updated_at": "2026-10-29 10:35:22" }, { "key": "fannie_variable_rec_years", "region": "US", "value": "2", "unit": "years", "label": "Fannie Mae: recommended history for bonus, overtime, commission or tip income", "source_name": "Fannie Mae Selling Guide B3-3.3-02", "source_url": "https://selling-guide.fanniemae.com/sel/b3-3.3-02/bonus-commission-overtime-and-tip-income", "as_of": "2026-03-04", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 10:35:22" }, { "key": "fannie_vvoe_bdays", "region": "US", "value": "10", "unit": "bdays", "label": "Fannie Mae: employment re-verified no more than this many business days before the note date", "source_name": "Fannie Mae Selling Guide B3-3.1-04", "source_url": "https://selling-guide.fanniemae.com/sel/b3-3.1-04/verbal-verification-employment", "as_of": "2026-10-07", "period": null, "note": "Salaried and other employment income; 120 calendar days for self-employment income", "updated_at": "2026-10-28 22:29:40" }, { "key": "fannie_wait_ch13_discharge_years", "region": "US", "value": "2", "unit": "years", "label": "Fannie Mae waiting period after a Chapter 13 bankruptcy discharge", "source_name": "Fannie Mae Selling Guide B3-5.3-07", "source_url": "https://selling-guide.fanniemae.com/sel/b3-5.3-07/significant-derogatory-credit-events-waiting-periods-and-re-establishing-credit", "as_of": "2019-08-07", "period": null, "note": "Measured from the discharge date, no shorter period for extenuating circumstances, checked Oct 2026", "updated_at": "2026-10-29 10:35:22" }, { "key": "fannie_wait_ch13_dismissal_ext_years", "region": "US", "value": "2", "unit": "years", "label": "Fannie Mae waiting period after a Chapter 13 dismissal, with documented extenuating circumstances", "source_name": "Fannie Mae Selling Guide B3-5.3-07", "source_url": "https://selling-guide.fanniemae.com/sel/b3-5.3-07/significant-derogatory-credit-events-waiting-periods-and-re-establishing-credit", "as_of": "2019-08-07", "period": null, "note": "Topic dated 08/07/2019, checked Oct 2026", "updated_at": "2026-10-29 10:35:22" }, { "key": "fannie_wait_ch13_dismissal_years", "region": "US", "value": "4", "unit": "years", "label": "Fannie Mae waiting period after a Chapter 13 bankruptcy dismissal", "source_name": "Fannie Mae Selling Guide B3-5.3-07", "source_url": "https://selling-guide.fanniemae.com/sel/b3-5.3-07/significant-derogatory-credit-events-waiting-periods-and-re-establishing-credit", "as_of": "2019-08-07", "period": null, "note": "Topic dated 08/07/2019, checked Oct 2026", "updated_at": "2026-10-29 10:35:22" }, { "key": "fannie_wait_ch7_ext_years", "region": "US", "value": "2", "unit": "years", "label": "Fannie Mae waiting period after a Chapter 7 or Chapter 11 bankruptcy, with documented extenuating circumstances", "source_name": "Fannie Mae Selling Guide B3-5.3-07", "source_url": "https://selling-guide.fanniemae.com/sel/b3-5.3-07/significant-derogatory-credit-events-waiting-periods-and-re-establishing-credit", "as_of": "2019-08-07", "period": null, "note": "Topic dated 08/07/2019, checked Oct 2026", "updated_at": "2026-10-29 10:35:22" }, { "key": "fannie_wait_ch7_years", "region": "US", "value": "4", "unit": "years", "label": "Fannie Mae waiting period after a Chapter 7 or Chapter 11 bankruptcy (from discharge or dismissal)", "source_name": "Fannie Mae Selling Guide B3-5.3-07", "source_url": "https://selling-guide.fanniemae.com/sel/b3-5.3-07/significant-derogatory-credit-events-waiting-periods-and-re-establishing-credit", "as_of": "2019-08-07", "period": null, "note": "Topic dated 08/07/2019, checked Oct 2026", "updated_at": "2026-10-29 10:35:22" }, { "key": "fannie_wait_foreclosure_ext_years", "region": "US", "value": "3", "unit": "years", "label": "Fannie Mae waiting period after a foreclosure, with documented extenuating circumstances", "source_name": "Fannie Mae Selling Guide B3-5.3-07", "source_url": "https://selling-guide.fanniemae.com/sel/b3-5.3-07/significant-derogatory-credit-events-waiting-periods-and-re-establishing-credit", "as_of": "2019-08-07", "period": null, "note": "Extra limits (LTV, occupancy, no cash-out) apply until seven years have passed; checked Oct 2026", "updated_at": "2026-10-29 10:28:37" }, { "key": "fannie_wait_foreclosure_years", "region": "US", "value": "7", "unit": "years", "label": "Fannie Mae waiting period after a foreclosure", "source_name": "Fannie Mae Selling Guide B3-5.3-07", "source_url": "https://selling-guide.fanniemae.com/sel/b3-5.3-07/significant-derogatory-credit-events-waiting-periods-and-re-establishing-credit", "as_of": "2019-08-07", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 10:28:37" }, { "key": "fannie_wait_multi_bk_ext_years", "region": "US", "value": "3", "unit": "years", "label": "Fannie Mae waiting period after multiple bankruptcies, with documented extenuating circumstances", "source_name": "Fannie Mae Selling Guide B3-5.3-07", "source_url": "https://selling-guide.fanniemae.com/sel/b3-5.3-07/significant-derogatory-credit-events-waiting-periods-and-re-establishing-credit", "as_of": "2019-08-07", "period": null, "note": "Topic dated 08/07/2019, checked Oct 2026", "updated_at": "2026-10-29 10:35:22" }, { "key": "fannie_wait_multi_bk_years", "region": "US", "value": "5", "unit": "years", "label": "Fannie Mae waiting period after more than one bankruptcy in the past seven years (from the most recent discharge or dismissal)", "source_name": "Fannie Mae Selling Guide B3-5.3-07", "source_url": "https://selling-guide.fanniemae.com/sel/b3-5.3-07/significant-derogatory-credit-events-waiting-periods-and-re-establishing-credit", "as_of": "2019-08-07", "period": null, "note": "Topic dated 08/07/2019, checked Oct 2026", "updated_at": "2026-10-29 10:35:22" }, { "key": "fannie_wait_short_sale_ext_years", "region": "US", "value": "2", "unit": "years", "label": "Fannie Mae waiting period after a preforeclosure (short) sale or deed-in-lieu, with documented extenuating circumstances", "source_name": "Fannie Mae Selling Guide B3-5.3-07", "source_url": "https://selling-guide.fanniemae.com/sel/b3-5.3-07/significant-derogatory-credit-events-waiting-periods-and-re-establishing-credit", "as_of": "2019-08-07", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 10:28:37" }, { "key": "fannie_wait_short_sale_years", "region": "US", "value": "4", "unit": "years", "label": "Fannie Mae waiting period after a preforeclosure (short) sale or deed-in-lieu", "source_name": "Fannie Mae Selling Guide B3-5.3-07", "source_url": "https://selling-guide.fanniemae.com/sel/b3-5.3-07/significant-derogatory-credit-events-waiting-periods-and-re-establishing-credit", "as_of": "2019-08-07", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 10:28:37" }, { "key": "fha_203k_after_value_pct", "region": "US", "value": "110", "unit": "pct", "label": "FHA 203(k): base loan amount may not exceed this share of the after-improved value", "source_name": "HUD Mortgagee Letter 2024-13", "source_url": "https://www.hud.gov/sites/dfiles/OCHCO/documents/2024-13hsgml.pdf", "as_of": "2024-07-09", "period": null, "note": "100% for condominiums", "updated_at": "2026-10-29 10:37:17" }, { "key": "fha_203k_limited_max", "region": "US", "value": "75000", "unit": "usd", "label": "FHA Limited 203(k): most the total rehabilitation costs may be", "source_name": "HUD Mortgagee Letter 2024-13", "source_url": "https://www.hud.gov/sites/dfiles/OCHCO/documents/2024-13hsgml.pdf", "as_of": "2024-07-09", "period": null, "note": "For FHA case numbers assigned on or after Nov 4, 2024; non-structural repairs only; limit evaluated annually", "updated_at": "2026-10-29 10:37:17" }, { "key": "fha_203k_limited_months", "region": "US", "value": "9", "unit": "months", "label": "FHA Limited 203(k): repairs must be finished within", "source_name": "HUD Mortgagee Letter 2024-13", "source_url": "https://www.hud.gov/sites/dfiles/OCHCO/documents/2024-13hsgml.pdf", "as_of": "2024-07-09", "period": null, "note": null, "updated_at": "2026-10-29 10:37:17" }, { "key": "fha_203k_standard_min", "region": "US", "value": "5000", "unit": "usd", "label": "FHA Standard 203(k): minimum renovation cost", "source_name": "HUD Program Comparison Fact Sheet (203(k), HomeStyle, CHOICERenovation)", "source_url": "https://www.hud.gov/sites/dfiles/SFH/documents/MO_203k_Program_Comparison_FS.pdf", "as_of": "2024-11-04", "period": null, "note": "Revised Nov 4, 2024; Standard 203(k) requires an FHA-approved 203(k) consultant", "updated_at": "2026-10-29 10:37:17" }, { "key": "fha_203k_standard_months", "region": "US", "value": "12", "unit": "months", "label": "FHA Standard 203(k): repairs must be finished within", "source_name": "HUD Mortgagee Letter 2024-13", "source_url": "https://www.hud.gov/sites/dfiles/OCHCO/documents/2024-13hsgml.pdf", "as_of": "2024-07-09", "period": null, "note": null, "updated_at": "2026-10-29 10:37:17" }, { "key": "fha_cashout_max_ltv", "region": "US", "value": "80", "unit": "pct", "label": "FHA cash-out refinance maximum loan-to-value", "source_name": "HUD Mortgagee Letter 2019-11", "source_url": "https://www.hud.gov/sites/dfiles/OCHCO/documents/19-11ml.pdf", "as_of": "2019-08-01", "period": null, "note": "Case numbers assigned on or after Sep 1, 2019", "updated_at": "2026-10-28 21:47:44" }, { "key": "fha_ipc_max", "region": "US", "value": "6", "unit": "pct", "label": "FHA: most a seller or other interested party may contribute toward your costs (share of the lower of price or appraised value)", "source_name": "FDIC Affordable Mortgage Lending Guide (summary of HUD Handbook 4000.1)", "source_url": "https://www.fdic.gov/resources/bankers/affordable-mortgage-lending-center/guide/part-1-docs/203b-mortgage-insurance-program.pdf", "as_of": "2026-10-29", "period": null, "note": "Interest rate buydowns count toward the limit; checked Oct 2026", "updated_at": "2026-10-29 10:31:52" }, { "key": "fha_limit_ceiling", "region": "US", "value": "1249125", "unit": "usd", "label": "2026 FHA loan limit ceiling (one-unit, high-cost areas)", "source_name": "HUD", "source_url": "https://www.hud.gov/news/hud-no-25-145", "as_of": "2025-12-11", "period": "2026 limit", "note": null, "updated_at": "2026-10-28 19:25:10" }, { "key": "fha_limit_floor", "region": "US", "value": "541287", "unit": "usd", "label": "2026 FHA loan limit floor (one-unit, low-cost areas)", "source_name": "HUD", "source_url": "https://www.hud.gov/news/hud-no-25-145", "as_of": "2025-12-11", "period": "2026 limit", "note": "Case numbers assigned on or after Jan 1, 2026", "updated_at": "2026-10-28 19:25:10" }, { "key": "fha_manual_back", "region": "US", "value": "43", "unit": "pct", "label": "FHA manual underwriting debt-to-income ratio (no compensating factors)", "source_name": "HUD Mortgagee Letter 2026-11", "source_url": "https://www.hud.gov/sites/default/files/hudclips/documents/2026-11hsgml.pdf", "as_of": "2026-10-08", "period": null, "note": null, "updated_at": "2026-10-28 21:47:44" }, { "key": "fha_manual_front", "region": "US", "value": "31", "unit": "pct", "label": "FHA manual underwriting housing ratio (no compensating factors)", "source_name": "HUD Mortgagee Letter 2026-11", "source_url": "https://www.hud.gov/sites/default/files/hudclips/documents/2026-11hsgml.pdf", "as_of": "2026-10-08", "period": null, "note": "31/43; higher with compensating factors and a 580+ score", "updated_at": "2026-10-28 21:47:44" }, { "key": "fha_min_down", "region": "US", "value": "3.5", "unit": "pct", "label": "Minimum FHA down payment", "source_name": "CFPB", "source_url": "https://www.consumerfinance.gov/owning-a-home/prepare/figure-out-how-much-you-want-to-spend/", "as_of": "2026-10-28", "period": null, "note": "Requires a credit score of 580 or higher", "updated_at": "2026-10-28 19:25:10" }, { "key": "fha_mip_11yr_ltv", "region": "US", "value": "90", "unit": "pct", "label": "FHA annual MIP ends after 11 years when the starting LTV is at or below", "source_name": "HUD Mortgagee Letter 2023-05", "source_url": "https://www.hud.gov/sites/dfiles/OCHCO/documents/2023-05hsgml.pdf", "as_of": "2023-02-22", "period": null, "note": "Above 90% LTV, MIP lasts for the life of the loan", "updated_at": "2026-10-28 21:47:44" }, { "key": "fha_mip_annual", "region": "US", "value": "0.55", "unit": "pct", "label": "FHA annual MIP, 30-year loan, more than 95% LTV", "source_name": "HUD Mortgagee Letter 2023-05", "source_url": "https://www.hud.gov/sites/dfiles/OCHCO/documents/2023-05hsgml.pdf", "as_of": "2023-02-22", "period": null, "note": "Base loan ≤ $726,200, term > 15 years; for the life of the loan", "updated_at": "2026-10-28 19:25:10" }, { "key": "fha_mip_annual_low", "region": "US", "value": "0.50", "unit": "pct", "label": "FHA annual MIP, 30-year loan, 95% LTV or less", "source_name": "HUD Mortgagee Letter 2023-05", "source_url": "https://www.hud.gov/sites/dfiles/OCHCO/documents/2023-05hsgml.pdf", "as_of": "2023-02-22", "period": null, "note": "11 years when LTV ≤ 90%", "updated_at": "2026-10-28 19:25:10" }, { "key": "fha_mip_cut_date", "region": "US", "value": "March 20, 2023", "unit": "text", "label": "Lower FHA annual MIP rates apply to loans endorsed on or after", "source_name": "HUD Mortgagee Letter 2023-05", "source_url": "https://www.hud.gov/sites/dfiles/OCHCO/documents/2023-05hsgml.pdf", "as_of": "2023-02-22", "period": null, "note": "Includes streamline refinances, except of loans endorsed on or before May 31, 2009", "updated_at": "2026-10-28 22:30:35" }, { "key": "fha_mip_high_balance", "region": "US", "value": "0.70", "unit": "pct", "label": "FHA annual MIP, base loan above $726,200, 95% LTV or less", "source_name": "HUD Mortgagee Letter 2023-05", "source_url": "https://www.hud.gov/sites/dfiles/OCHCO/documents/2023-05hsgml.pdf", "as_of": "2023-02-22", "period": null, "note": "0.75% above 95% LTV; terms over 15 years", "updated_at": "2026-10-28 21:47:44" }, { "key": "fha_mip_high_balance_threshold", "region": "US", "value": "726200", "unit": "usd", "label": "FHA annual MIP is higher on base loans above this amount", "source_name": "HUD Mortgagee Letter 2023-05", "source_url": "https://www.hud.gov/sites/dfiles/OCHCO/documents/2023-05hsgml.pdf", "as_of": "2023-02-22", "period": null, "note": "Terms over 15 years", "updated_at": "2026-10-28 22:03:14" }, { "key": "fha_mip_years_low_ltv", "region": "US", "value": "11", "unit": "years", "label": "FHA annual MIP lasts this long when the starting LTV is 90% or less", "source_name": "HUD Mortgagee Letter 2023-05", "source_url": "https://www.hud.gov/sites/dfiles/OCHCO/documents/2023-05hsgml.pdf", "as_of": "2023-02-22", "period": null, "note": "Above 90% LTV, MIP lasts for the mortgage term", "updated_at": "2026-10-28 22:03:14" }, { "key": "fha_score_floor", "region": "US", "value": "500", "unit": "score", "label": "FHA minimum decision credit score (90% LTV cap from 500 to 579)", "source_name": "HUD Mortgagee Letter 2026-11", "source_url": "https://www.hud.gov/sites/default/files/hudclips/documents/2026-11hsgml.pdf", "as_of": "2026-10-08", "period": null, "note": "Below 500 is ineligible", "updated_at": "2026-10-28 19:25:10" }, { "key": "fha_score_max_financing", "region": "US", "value": "580", "unit": "score", "label": "FHA minimum score for maximum financing", "source_name": "HUD Mortgagee Letter 2026-11", "source_url": "https://www.hud.gov/sites/default/files/hudclips/documents/2026-11hsgml.pdf", "as_of": "2026-10-08", "period": null, "note": "580+ eligible for maximum financing on purchases", "updated_at": "2026-10-28 19:25:10" }, { "key": "fha_streamline_arm_drop", "region": "US", "value": "2", "unit": "pct", "label": "FHA Streamline fixed-rate to one-year ARM: new rate at least this much lower", "source_name": "FDIC Affordable Mortgage Lending Guide (summary of HUD Handbook 4000.1)", "source_url": "https://www.fdic.gov/system/files/2024-07/streamline-refinance.pdf", "as_of": "2026-10-28", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-28 22:30:35" }, { "key": "fha_streamline_cash_max", "region": "US", "value": "500", "unit": "usd", "label": "FHA Streamline: most cash a borrower can take out", "source_name": "HUD: Streamline Refinance", "source_url": "https://hud.gov/hud-partners/single-family-streamline", "as_of": "2026-10-28", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-28 21:47:44" }, { "key": "fha_streamline_days", "region": "US", "value": "210", "unit": "days", "label": "FHA Streamline: days that must pass since the current loan closed", "source_name": "FDIC Affordable Mortgage Lending Guide (summary of HUD Handbook 4000.1)", "source_url": "https://www.fdic.gov/system/files/2024-07/streamline-refinance.pdf", "as_of": "2026-10-28", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-28 21:47:44" }, { "key": "fha_streamline_payments", "region": "US", "value": "6", "unit": "count", "label": "FHA Streamline: monthly payments already made", "source_name": "FDIC Affordable Mortgage Lending Guide (summary of HUD Handbook 4000.1)", "source_url": "https://www.fdic.gov/system/files/2024-07/streamline-refinance.pdf", "as_of": "2026-10-28", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-28 21:47:44" }, { "key": "fha_student_loan_pct", "region": "US", "value": "0.5", "unit": "pct", "label": "FHA: monthly payment counted for a student loan reported at $0, share of balance", "source_name": "HUD Mortgagee Letter 2021-13", "source_url": "https://www.hud.gov/sites/dfiles/OCHCO/documents/2021-13hsgml.pdf", "as_of": "2021-06-17", "period": null, "note": "Effective for case numbers assigned on or after Aug 16, 2021", "updated_at": "2026-10-28 22:29:40" }, { "key": "fha_ufmip", "region": "US", "value": "1.75", "unit": "pct", "label": "FHA upfront mortgage insurance premium", "source_name": "HUD Mortgagee Letter 2023-05", "source_url": "https://www.hud.gov/sites/dfiles/OCHCO/documents/2023-05hsgml.pdf", "as_of": "2023-02-22", "period": null, "note": "175 bps of the base loan amount", "updated_at": "2026-10-28 19:25:10" }, { "key": "fha_ufmip_refund_years", "region": "US", "value": "3", "unit": "years", "label": "FHA upfront premium is partly refunded on an FHA-to-FHA refinance within", "source_name": "HUD FHA fact sheet", "source_url": "https://www.hud.gov/hud-partners/housing-fha-fact-sheet", "as_of": "2026-10-28", "period": null, "note": "Loans endorsed on or after Dec 8, 2004", "updated_at": "2026-10-28 21:47:44" }, { "key": "fhfa_hpi_yoy", "region": "US", "value": "2.4", "unit": "pct", "label": "US house prices, 12-month change (FHFA HPI)", "source_name": "FHFA House Price Index", "source_url": "https://www.fhfa.gov/news/news-release/fhfa-house-price-index-up-0.3-percent-in-august-up-2.4-percent-from-last-year", "as_of": "2026-10-27", "period": "August 2026", "note": "Seasonally adjusted, purchase-only", "updated_at": "2026-10-28 21:47:44" }, { "key": "freddie_affordable_seconds_tltv", "region": "US", "value": "105", "unit": "pct", "label": "Freddie Mac Home Possible maximum TLTV with Affordable Seconds", "source_name": "Freddie Mac Home Possible fact sheet", "source_url": "https://sf.freddiemac.com/docs/pdf/fact-sheet/home_possible_factsheet.pdf", "as_of": "2026-02-01", "period": null, "note": "Fixed-rate first lien only; fact sheet dated February 2026", "updated_at": "2026-10-28 22:27:08" }, { "key": "freddie_dti_guide", "region": "US", "value": "45", "unit": "pct", "label": "Freddie Mac guidance: total debt payments below this share of gross income", "source_name": "Freddie Mac My Home", "source_url": "https://myhome.freddiemac.com/blog/homebuying/how-much-can-you-afford", "as_of": "2026-01-22", "period": null, "note": "“Ideally” less than 45%", "updated_at": "2026-10-28 19:25:10" }, { "key": "freddie_housing_ratio", "region": "US", "value": "30", "unit": "pct", "label": "Freddie Mac guidance: housing costs below this share of gross income", "source_name": "Freddie Mac My Home", "source_url": "https://myhome.freddiemac.com/blog/homebuying/how-much-can-you-afford", "as_of": "2026-01-22", "period": null, "note": "“Ideally” less than 30%", "updated_at": "2026-10-28 19:25:10" }, { "key": "fthb_years", "region": "US", "value": "3", "unit": "years", "label": "First-time homebuyer: has not owned a home in the past (HUD/HOME statute)", "source_name": "42 U.S.C. 12704(14)", "source_url": "https://www.law.cornell.edu/uscode/text/42/12704", "as_of": "2026-10-28", "period": null, "note": "Exceptions for displaced homemakers and single parents", "updated_at": "2026-10-28 21:47:44" }, { "key": "gnnd_discount", "region": "US", "value": "50", "unit": "pct", "label": "HUD Good Neighbor Next Door discount off list price", "source_name": "HUD", "source_url": "https://www.hud.gov/helping-americans/good-neighbor", "as_of": "2026-10-28", "period": null, "note": "Police, pre-K–12 teachers, firefighters and EMTs; revitalization areas only", "updated_at": "2026-10-28 21:47:44" }, { "key": "gnnd_occupancy", "region": "US", "value": "36", "unit": "months", "label": "Good Neighbor Next Door required owner-occupancy", "source_name": "HUD", "source_url": "https://www.hud.gov/helping-americans/good-neighbor", "as_of": "2026-10-28", "period": null, "note": null, "updated_at": "2026-10-28 21:47:44" }, { "key": "hecm_absence_months", "region": "US", "value": "12", "unit": "months", "label": "HECM becomes due if no borrower has lived in the home, because of illness, for longer than", "source_name": "24 CFR 206.27", "source_url": "https://www.ecfr.gov/current/title-24/subtitle-B/chapter-II/subchapter-B/part-206/subpart-B", "as_of": "2026-10-07", "period": null, "note": "Consecutive months", "updated_at": "2026-10-28 22:30:47" }, { "key": "hecm_heir_days", "region": "US", "value": "30", "unit": "days", "label": "Heirs have this long after a HECM due-and-payable notice to buy, sell or turn over the home", "source_name": "CFPB", "source_url": "https://www.consumerfinance.gov/ask-cfpb/will-my-children-be-able-to-keep-my-home-after-i-die-if-i-have-a-reverse-mortgage-loan-en-242/", "as_of": "2026-08-28", "period": null, "note": "Can be extended, up to six months in some cases", "updated_at": "2026-10-28 22:30:47" }, { "key": "hecm_heir_extension_months", "region": "US", "value": "6", "unit": "months", "label": "Heirs’ time to sell a home or get their own loan after a HECM due-and-payable notice may be extended up to", "source_name": "CFPB", "source_url": "https://www.consumerfinance.gov/ask-cfpb/will-my-children-be-able-to-keep-my-home-after-i-die-if-i-have-a-reverse-mortgage-loan-en-242/", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026; the basic period is 30 days", "updated_at": "2026-10-29 10:37:17" }, { "key": "hecm_heir_sale_pct", "region": "US", "value": "95", "unit": "pct", "label": "Heirs can settle a HECM larger than the home’s value by selling for at least this share of the appraised value", "source_name": "CFPB", "source_url": "https://www.consumerfinance.gov/ask-cfpb/will-my-children-be-able-to-keep-my-home-after-i-die-if-i-have-a-reverse-mortgage-loan-en-242/", "as_of": "2026-08-28", "period": null, "note": "Mortgage insurance covers the rest of the loan", "updated_at": "2026-10-28 22:30:47" }, { "key": "hecm_limit", "region": "US", "value": "1249125", "unit": "usd", "label": "2026 HECM maximum claim amount", "source_name": "HUD Mortgagee Letter 2025-22", "source_url": "https://www.hud.gov/sites/dfiles/hudclips/documents/2025-22hsgml.pdf", "as_of": "2025-12-11", "period": "2026 limit", "note": null, "updated_at": "2026-10-28 21:47:44" }, { "key": "hecm_min_age", "region": "US", "value": "62", "unit": "years", "label": "HECM reverse mortgage: youngest borrower must be at least", "source_name": "24 CFR 206.33", "source_url": "https://www.ecfr.gov/current/title-24/subtitle-B/chapter-II/subchapter-B/part-206/subpart-B", "as_of": "2026-10-07", "period": null, "note": null, "updated_at": "2026-10-28 21:47:44" }, { "key": "hecm_mip_annual", "region": "US", "value": "0.5", "unit": "pct", "label": "HECM annual mortgage insurance premium (share of balance)", "source_name": "HUD Mortgagee Letter 2017-12", "source_url": "https://www.hud.gov/sites/documents/17-12ml.pdf", "as_of": "2017-10-02", "period": null, "note": null, "updated_at": "2026-10-28 21:47:44" }, { "key": "hecm_mip_initial", "region": "US", "value": "2", "unit": "pct", "label": "HECM initial mortgage insurance premium (share of maximum claim amount)", "source_name": "HUD Mortgagee Letter 2017-12", "source_url": "https://www.hud.gov/sites/documents/17-12ml.pdf", "as_of": "2017-10-02", "period": null, "note": null, "updated_at": "2026-10-28 21:47:44" }, { "key": "hecm_orig_fee_cap", "region": "US", "value": "6000", "unit": "usd", "label": "HECM origination fee cap", "source_name": "24 CFR 206.31", "source_url": "https://www.ecfr.gov/current/title-24/subtitle-B/chapter-II/subchapter-B/part-206/subpart-B", "as_of": "2026-10-07", "period": null, "note": "Also stated on HUD’s HECM page", "updated_at": "2026-10-28 22:30:47" }, { "key": "hecm_orig_fee_min", "region": "US", "value": "2500", "unit": "usd", "label": "HECM origination fee: lenders may always charge up to", "source_name": "24 CFR 206.31", "source_url": "https://www.ecfr.gov/current/title-24/subtitle-B/chapter-II/subchapter-B/part-206/subpart-B", "as_of": "2026-10-07", "period": null, "note": "Greater of $2,500 or the percentage formula", "updated_at": "2026-10-28 22:30:47" }, { "key": "hecm_orig_pct_first", "region": "US", "value": "2", "unit": "pct", "label": "HECM origination fee: share of the first $200,000 of the maximum claim amount", "source_name": "24 CFR 206.31", "source_url": "https://www.ecfr.gov/current/title-24/subtitle-B/chapter-II/subchapter-B/part-206/subpart-B", "as_of": "2026-10-07", "period": null, "note": null, "updated_at": "2026-10-28 22:30:47" }, { "key": "hecm_orig_pct_over", "region": "US", "value": "1", "unit": "pct", "label": "HECM origination fee: share of the maximum claim amount above $200,000", "source_name": "24 CFR 206.31", "source_url": "https://www.ecfr.gov/current/title-24/subtitle-B/chapter-II/subchapter-B/part-206/subpart-B", "as_of": "2026-10-07", "period": null, "note": null, "updated_at": "2026-10-28 22:30:47" }, { "key": "hecm_orig_tier", "region": "US", "value": "200000", "unit": "usd", "label": "HECM origination fee: tier where the percentage drops", "source_name": "24 CFR 206.31", "source_url": "https://www.ecfr.gov/current/title-24/subtitle-B/chapter-II/subchapter-B/part-206/subpart-B", "as_of": "2026-10-07", "period": null, "note": null, "updated_at": "2026-10-28 22:30:47" }, { "key": "heloc_draw_years", "region": "US", "value": "10", "unit": "years", "label": "Example HELOC draw period (CFPB)", "source_name": "CFPB", "source_url": "https://www.consumerfinance.gov/ask-cfpb/what-is-a-home-equity-line-of-credit-heloc-en-107/", "as_of": "2026-08-28", "period": null, "note": "CFPB gives 10 years as an example", "updated_at": "2026-10-28 21:47:44" }, { "key": "heloc_fee_wait_bdays", "region": "US", "value": "3", "unit": "bdays", "label": "No nonrefundable HELOC application fee until this long after you receive the disclosures and brochure", "source_name": "12 CFR 1026.40(h)", "source_url": "https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.40", "as_of": "2026-10-28", "period": null, "note": "Checked Oct 2026; mailed disclosures count as received 3 business days after mailing", "updated_at": "2026-10-28 22:29:38" }, { "key": "heloc_freeze_equity_drop", "region": "US", "value": "50", "unit": "pct", "label": "HELOC freeze: a value drop that cuts the original gap between credit limit and available equity by this share counts as significant", "source_name": "CFPB, Regulation Z official interpretation 1026.40(f)(3)(vi)-6", "source_url": "https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-40/", "as_of": "2026-10-28", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-28 22:29:38" }, { "key": "heloc_freeze_notice_bdays", "region": "US", "value": "3", "unit": "bdays", "label": "Lender must send written notice of a HELOC freeze or credit-limit cut within", "source_name": "12 CFR 1026.9(c)(1)(iii)", "source_url": "https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-B/section-1026.9", "as_of": "2026-10-28", "period": null, "note": "Checked Oct 2026; notice must give the specific reasons", "updated_at": "2026-10-28 22:29:38" }, { "key": "heloc_repay_years", "region": "US", "value": "20", "unit": "years", "label": "HELOC repayment period, often up to (CFPB)", "source_name": "CFPB", "source_url": "https://www.consumerfinance.gov/ask-cfpb/what-is-a-home-equity-line-of-credit-heloc-en-107/", "as_of": "2026-08-28", "period": null, "note": "CFPB: often over ten or 20 years", "updated_at": "2026-10-28 21:47:44" }, { "key": "ho_ins_avg", "region": "US", "value": "1522", "unit": "usd_year", "label": "Average annual homeowners insurance premium (Freddie Mac borrowers)", "source_name": "Freddie Mac Research", "source_url": "https://www.freddiemac.com/research/insight/homeowners-insurance-costs", "as_of": "2024-03-20", "period": "2023 data", "note": "Single-family owner-occupied homes with conventional 30-year loans", "updated_at": "2026-10-28 19:25:10" }, { "key": "ho_ins_per_1000", "region": "US", "value": "4.90", "unit": "usd_per_1000", "label": "Average homeowners insurance premium per $1,000 of home value", "source_name": "Freddie Mac Research", "source_url": "https://www.freddiemac.com/research/insight/homeowners-insurance-costs", "as_of": "2024-03-20", "period": "2023 data", "note": null, "updated_at": "2026-10-28 19:25:10" }, { "key": "hoepa_apr_first", "region": "US", "value": "6.5", "unit": "pct", "label": "High-cost mortgage trigger: APR more than this many percentage points above the average prime offer rate (first lien)", "source_name": "12 CFR 1026.32(a)(1)(i)", "source_url": "https://www.consumerfinance.gov/rules-policy/regulations/1026/32/", "as_of": "2026-10-28", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-28 22:29:38" }, { "key": "hoepa_apr_sub", "region": "US", "value": "8.5", "unit": "pct", "label": "High-cost mortgage trigger: APR more than this many percentage points above the average prime offer rate (subordinate lien)", "source_name": "12 CFR 1026.32(a)(1)(i)", "source_url": "https://www.consumerfinance.gov/rules-policy/regulations/1026/32/", "as_of": "2026-10-28", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-28 22:29:38" }, { "key": "hoepa_points_fees", "region": "US", "value": "5", "unit": "pct", "label": "High-cost mortgage trigger: points and fees above this share of the total loan amount", "source_name": "12 CFR 1026.32(a)(1)(ii)", "source_url": "https://www.consumerfinance.gov/rules-policy/regulations/1026/32/", "as_of": "2026-10-28", "period": null, "note": "Checked Oct 2026; loans of $20,000 or more (inflation-adjusted); smaller loans: lesser of 8% or $1,000 (adjusted)", "updated_at": "2026-10-28 22:29:38" }, { "key": "home_possible_income_limit", "region": "US", "value": "80", "unit": "pct", "label": "Freddie Mac Home Possible income limit (share of area median income)", "source_name": "Freddie Mac Home Possible fact sheet", "source_url": "https://sf.freddiemac.com/docs/pdf/fact-sheet/home_possible_factsheet.pdf", "as_of": "2026-02-01", "period": null, "note": "Fact sheet dated February 2026", "updated_at": "2026-10-28 21:47:44" }, { "key": "home_possible_max_ltv", "region": "US", "value": "97", "unit": "pct", "label": "Freddie Mac Home Possible maximum LTV, one-unit fixed-rate loan", "source_name": "Freddie Mac Home Possible fact sheet", "source_url": "https://sf.freddiemac.com/docs/pdf/fact-sheet/home_possible_factsheet.pdf", "as_of": "2026-02-01", "period": null, "note": "Fact sheet dated February 2026; ARMs up to 95%", "updated_at": "2026-10-29 10:30:17" }, { "key": "homeready_income_limit", "region": "US", "value": "80", "unit": "pct", "label": "Fannie Mae HomeReady income limit (share of area median income)", "source_name": "Fannie Mae Selling Guide B5-6-01", "source_url": "https://selling-guide.fanniemae.com/sel/b5-6-01/homeready-mortgage-loan-and-borrower-eligibility", "as_of": "2025-06-04", "period": null, "note": null, "updated_at": "2026-10-28 21:47:44" }, { "key": "hud_counseling_phone", "region": "US", "value": "800-569-4287", "unit": "text", "label": "HUD housing counseling referral line", "source_name": "HUD", "source_url": "https://www.hud.gov/stat/sfh/housing-counseling", "as_of": "2026-10-28", "period": null, "note": "Or search answers.hud.gov/housingcounseling", "updated_at": "2026-10-28 21:47:44" }, { "key": "ira_early_tax", "region": "US", "value": "10", "unit": "pct", "label": "Additional tax on early IRA distributions unless an exception applies", "source_name": "IRS Tax Topic 557", "source_url": "https://www.irs.gov/taxtopics/tc557", "as_of": "2026-10-26", "period": null, "note": "In addition to regular income tax on the taxable part", "updated_at": "2026-10-28 22:27:08" }, { "key": "ira_first_home_max", "region": "US", "value": "10000", "unit": "usd", "label": "Penalty-free IRA withdrawal for a first home (lifetime limit)", "source_name": "IRS Tax Topic 557", "source_url": "https://www.irs.gov/taxtopics/tc557", "as_of": "2026-10-26", "period": null, "note": "Reduced by earlier first-home distributions; IRAs only, not 401(k) plans", "updated_at": "2026-10-28 21:47:44" }, { "key": "ira_fthb_days", "region": "US", "value": "120", "unit": "days", "label": "IRA first-home withdrawal must be spent on the purchase within", "source_name": "26 U.S.C. 72(t)(8)", "source_url": "https://www.govinfo.gov/link/uscode/26/72", "as_of": "2026-10-28", "period": null, "note": "Checked Oct 2026; counted from the day you receive the money", "updated_at": "2026-10-28 22:27:08" }, { "key": "ira_fthb_years", "region": "US", "value": "2", "unit": "years", "label": "IRA first-home exception: no ownership interest in a principal residence in the past", "source_name": "26 U.S.C. 72(t)(8)", "source_url": "https://www.govinfo.gov/link/uscode/26/72", "as_of": "2026-10-28", "period": null, "note": "Checked Oct 2026; applies to you and your spouse", "updated_at": "2026-10-28 22:27:08" }, { "key": "irs_acq_debt_limit", "region": "US", "value": "750000", "unit": "usd", "label": "Mortgage debt on which interest is deductible (loans after Dec 15, 2017)", "source_name": "IRS Publication 936", "source_url": "https://www.irs.gov/pub/irs-pdf/p936.pdf", "as_of": "2025-10-28", "period": "Tax year 2025", "note": "$375,000 if married filing separately; made permanent by Public Law 119-21", "updated_at": "2026-10-28 21:47:44" }, { "key": "irs_acq_debt_limit_old", "region": "US", "value": "1000000", "unit": "usd", "label": "Deductible mortgage debt limit for loans taken out before Dec 16, 2017", "source_name": "IRS Publication 936", "source_url": "https://www.irs.gov/pub/irs-pdf/p936.pdf", "as_of": "2025-10-28", "period": "Tax year 2025", "note": "$500,000 if married filing separately", "updated_at": "2026-10-28 21:47:44" }, { "key": "irs_gift_exclusion", "region": "US", "value": "19000", "unit": "usd", "label": "Annual gift tax exclusion per recipient (2026)", "source_name": "IRS: What's new — Estate and gift tax", "source_url": "https://www.irs.gov/businesses/small-businesses-self-employed/whats-new-estate-and-gift-tax", "as_of": "2026-07-23", "period": "Tax year 2026", "note": null, "updated_at": "2026-10-28 22:27:08" }, { "key": "irs_mip_phaseout_start", "region": "US", "value": "100000", "unit": "usd", "label": "Mortgage insurance premium deduction starts phasing out above this AGI (2026)", "source_name": "IRS draft Publication 936 (2026)", "source_url": "https://www.irs.gov/pub/irs-dft/p936--dft.pdf", "as_of": "2026-09-30", "period": "Tax year 2026", "note": "Draft; deduction reinstated for 2026; fully phased out above $109,000", "updated_at": "2026-10-28 21:47:44" }, { "key": "irs_personal_use_days", "region": "US", "value": "14", "unit": "days", "label": "A home you rent out counts as your residence if personal use exceeds the greater of this many days or 10% of the days rented", "source_name": "IRS Tax Topic 415", "source_url": "https://www.irs.gov/taxtopics/tc415", "as_of": "2026-09-24", "period": null, "note": "Days rented at a fair rental price", "updated_at": "2026-10-29 10:31:52" }, { "key": "irs_personal_use_pct", "region": "US", "value": "10", "unit": "pct", "label": "A home you rent out counts as your residence if personal use exceeds the greater of 14 days or this share of the days rented", "source_name": "IRS Tax Topic 415", "source_url": "https://www.irs.gov/taxtopics/tc415", "as_of": "2026-09-24", "period": null, "note": "Days rented at a fair rental price", "updated_at": "2026-10-29 10:31:52" }, { "key": "irs_short_rental_days", "region": "US", "value": "15", "unit": "days", "label": "Rent out a home you use as a residence for fewer than this many days and you don’t report the rental income", "source_name": "IRS Tax Topic 415", "source_url": "https://www.irs.gov/taxtopics/tc415", "as_of": "2026-09-24", "period": null, "note": "Rental expenses are not deductible as rental expenses in that case", "updated_at": "2026-10-29 10:31:52" }, { "key": "irs_std_ded_mfj", "region": "US", "value": "32200", "unit": "usd", "label": "2026 standard deduction, married filing jointly", "source_name": "IRS", "source_url": "https://www.irs.gov/newsroom/working-families-tax-cuts-individuals-and-workers", "as_of": "2026-08-27", "period": "Tax year 2026", "note": null, "updated_at": "2026-10-29 10:51:30" }, { "key": "irs_std_ded_single", "region": "US", "value": "16100", "unit": "usd", "label": "2026 standard deduction, single filers", "source_name": "IRS", "source_url": "https://www.irs.gov/newsroom/working-families-tax-cuts-individuals-and-workers", "as_of": "2026-08-27", "period": "Tax year 2026", "note": null, "updated_at": "2026-10-29 10:51:30" }, { "key": "le_business_days", "region": "US", "value": "3", "unit": "bdays", "label": "Lender must send the Loan Estimate within this many business days of your application", "source_name": "CFPB", "source_url": "https://www.consumerfinance.gov/ask-cfpb/what-is-a-loan-estimate-en-1995/", "as_of": "2026-10-28", "period": null, "note": "Six pieces of information make an application", "updated_at": "2026-10-28 19:25:10" }, { "key": "le_intent_bdays", "region": "US", "value": "10", "unit": "bdays", "label": "Lender may revise the Loan Estimate if you indicate intent to proceed after more than this many business days", "source_name": "12 CFR 1026.19(e)(3)(iv)(E)", "source_url": "https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-C/section-1026.19", "as_of": "2026-10-28", "period": null, "note": "Unless the lender sets a longer period; checked Oct 2026", "updated_at": "2026-10-28 22:29:40" }, { "key": "le_lock_revision_bdays", "region": "US", "value": "3", "unit": "bdays", "label": "Revised Loan Estimate due within this many business days after you lock a rate that was floating", "source_name": "12 CFR 1026.19(e)(3)(iv)(D)", "source_url": "https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-C/section-1026.19", "as_of": "2026-10-29", "period": null, "note": "Shows the locked rate, points and lender credits; checked Oct 2026", "updated_at": "2026-10-29 10:31:52" }, { "key": "le_revised_receipt_bdays", "region": "US", "value": "4", "unit": "bdays", "label": "A revised Loan Estimate must reach you at least this many business days before closing", "source_name": "12 CFR 1026.19(e)(4)(ii)", "source_url": "https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-C/section-1026.19", "as_of": "2026-10-29", "period": null, "note": "No revised Loan Estimate once the Closing Disclosure is provided; checked Oct 2026", "updated_at": "2026-10-29 10:31:52" }, { "key": "le_revision_bdays", "region": "US", "value": "3", "unit": "bdays", "label": "Revised Loan Estimate due within this many business days of learning of a changed circumstance", "source_name": "12 CFR 1026.19(e)(4)(i)", "source_url": "https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-C/section-1026.19", "as_of": "2026-10-28", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-28 22:29:40" }, { "key": "le_tolerance_10", "region": "US", "value": "10", "unit": "pct", "label": "Cumulative limit on increases for recording fees and lender-listed services", "source_name": "CFPB", "source_url": "https://www.consumerfinance.gov/ask-cfpb/can-my-final-mortgage-costs-increase-from-what-was-on-my-loan-estimate-en-172/", "as_of": "2024-09-11", "period": null, "note": null, "updated_at": "2026-10-28 21:47:44" }, { "key": "le_waiting_bdays", "region": "US", "value": "7", "unit": "bdays", "label": "Loan Estimate must be delivered or mailed at least this many business days before closing", "source_name": "12 CFR 1026.19(e)(1)(iii)", "source_url": "https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-C/section-1026.19", "as_of": "2026-10-28", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-28 22:29:40" }, { "key": "mcc_cap", "region": "US", "value": "2000", "unit": "usd_year", "label": "Mortgage credit certificate cap when the rate is above 20%", "source_name": "IRS Form 8396", "source_url": "https://www.irs.gov/pub/irs-pdf/f8396.pdf", "as_of": "2025-08-28", "period": "Tax year 2025", "note": null, "updated_at": "2026-10-28 21:47:44" }, { "key": "mcc_cap_rate", "region": "US", "value": "20", "unit": "pct", "label": "Mortgage credit certificate: the yearly dollar cap applies when the rate is above", "source_name": "IRS Form 8396", "source_url": "https://www.irs.gov/pub/irs-pdf/f8396.pdf", "as_of": "2025-08-28", "period": "Tax year 2025", "note": "Also 26 U.S.C. 25(a)(2)", "updated_at": "2026-10-28 22:27:08" }, { "key": "mcc_carryforward", "region": "US", "value": "3", "unit": "years", "label": "Unused mortgage credit carries forward up to", "source_name": "IRS Form 8396", "source_url": "https://www.irs.gov/pub/irs-pdf/f8396.pdf", "as_of": "2025-08-28", "period": "Tax year 2025", "note": null, "updated_at": "2026-10-28 21:47:44" }, { "key": "mcc_fthb_years", "region": "US", "value": "3", "unit": "years", "label": "MCC and mortgage revenue bond loans: no ownership interest in a principal residence in the past", "source_name": "26 U.S.C. 143(d)", "source_url": "https://www.govinfo.gov/link/uscode/26/143", "as_of": "2026-10-28", "period": null, "note": "Checked Oct 2026; waived in targeted areas and once for veterans", "updated_at": "2026-10-28 22:27:08" }, { "key": "mcc_income_limit", "region": "US", "value": "115", "unit": "pct", "label": "MCC and mortgage revenue bond income limit (share of the greater of area or statewide median family income)", "source_name": "26 U.S.C. 143(f)", "source_url": "https://www.govinfo.gov/link/uscode/26/143", "as_of": "2026-10-28", "period": null, "note": "Checked Oct 2026; lower for households of one or two, higher in targeted areas", "updated_at": "2026-10-28 22:27:08" }, { "key": "mcc_price_limit", "region": "US", "value": "90", "unit": "pct", "label": "MCC and mortgage revenue bond purchase price limit (share of average area purchase price)", "source_name": "26 U.S.C. 143(e)", "source_url": "https://www.govinfo.gov/link/uscode/26/143", "as_of": "2026-10-28", "period": null, "note": "Checked Oct 2026; 110% in targeted areas", "updated_at": "2026-10-28 22:27:08" }, { "key": "mcc_rate_max", "region": "US", "value": "50", "unit": "pct", "label": "Mortgage credit certificate rate, highest", "source_name": "IRS Form 8396", "source_url": "https://www.irs.gov/pub/irs-pdf/f8396.pdf", "as_of": "2025-08-28", "period": "Tax year 2025", "note": null, "updated_at": "2026-10-28 21:47:44" }, { "key": "mcc_rate_min", "region": "US", "value": "10", "unit": "pct", "label": "Mortgage credit certificate rate, lowest", "source_name": "IRS Form 8396", "source_url": "https://www.irs.gov/pub/irs-pdf/f8396.pdf", "as_of": "2025-08-28", "period": "Tax year 2025", "note": null, "updated_at": "2026-10-28 21:47:44" }, { "key": "mcc_recapture_gain_pct", "region": "US", "value": "50", "unit": "pct", "label": "MCC recapture tax can never exceed this share of the gain on sale", "source_name": "IRS Form 8828", "source_url": "https://www.irs.gov/pub/irs-pdf/f8828.pdf", "as_of": "2024-11-01", "period": "Rev. November 2024", "note": "No recapture on a loss or when income stays at or below the adjusted qualifying income", "updated_at": "2026-10-28 22:27:08" }, { "key": "mcc_recapture_years", "region": "US", "value": "9", "unit": "years", "label": "Selling within this many years may trigger MCC recapture tax", "source_name": "IRS Form 8396", "source_url": "https://www.irs.gov/pub/irs-pdf/f8396.pdf", "as_of": "2025-08-28", "period": "Tax year 2025", "note": "See Form 8828", "updated_at": "2026-10-28 21:47:44" }, { "key": "nfip_building_max", "region": "US", "value": "250000", "unit": "usd", "label": "NFIP building coverage limit, homeowners", "source_name": "FloodSmart (FEMA NFIP): Buy a flood insurance policy", "source_url": "https://www.floodsmart.gov/get-insured/buy-a-policy", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 10:28:37" }, { "key": "nfip_contents_max", "region": "US", "value": "100000", "unit": "usd", "label": "NFIP contents coverage limit, homeowners", "source_name": "FloodSmart (FEMA NFIP): Buy a flood insurance policy", "source_url": "https://www.floodsmart.gov/get-insured/buy-a-policy", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 10:28:37" }, { "key": "nfip_wait_days", "region": "US", "value": "30", "unit": "days", "label": "NFIP flood insurance usually takes effect this long after purchase", "source_name": "FloodSmart (FEMA NFIP): Buy a flood insurance policy", "source_url": "https://www.floodsmart.gov/get-insured/buy-a-policy", "as_of": "2026-10-29", "period": null, "note": "No wait when the policy is bought while making, increasing, extending or renewing a mortgage; checked Oct 2026", "updated_at": "2026-10-29 10:28:37" }, { "key": "pmi_auto_ltv", "region": "US", "value": "78", "unit": "pct", "label": "PMI ends automatically at this share of original value", "source_name": "CFPB", "source_url": "https://www.consumerfinance.gov/ask-cfpb/when-can-i-remove-private-mortgage-insurance-pmi-from-my-loan-en-202/", "as_of": "2026-10-28", "period": null, "note": "If you are current on payments", "updated_at": "2026-10-28 19:25:10" }, { "key": "pmi_cost_high", "region": "US", "value": "70", "unit": "usd_per_100k_month", "label": "Typical PMI cost, high end", "source_name": "Freddie Mac My Home", "source_url": "https://myhome.freddiemac.com/buying/breaking-down-pmi", "as_of": "2026-10-28", "period": null, "note": null, "updated_at": "2026-10-28 19:25:10" }, { "key": "pmi_cost_low", "region": "US", "value": "30", "unit": "usd_per_100k_month", "label": "Typical PMI cost, low end", "source_name": "Freddie Mac My Home", "source_url": "https://myhome.freddiemac.com/buying/breaking-down-pmi", "as_of": "2026-10-28", "period": null, "note": "$30–$70 a month per $100,000 borrowed", "updated_at": "2026-10-28 19:25:10" }, { "key": "pmi_final_midpoint", "region": "US", "value": "midpoint", "unit": "text", "label": "PMI must end the month after the loan reaches the midpoint of its schedule", "source_name": "CFPB", "source_url": "https://www.consumerfinance.gov/ask-cfpb/when-can-i-remove-private-mortgage-insurance-pmi-from-my-loan-en-202/", "as_of": "2026-08-28", "period": null, "note": "If you are current on payments", "updated_at": "2026-10-28 21:47:44" }, { "key": "pmi_request_ltv", "region": "US", "value": "80", "unit": "pct", "label": "Ask your servicer to cancel PMI at this share of original value", "source_name": "CFPB", "source_url": "https://www.consumerfinance.gov/ask-cfpb/when-can-i-remove-private-mortgage-insurance-pmi-from-my-loan-en-202/", "as_of": "2026-10-28", "period": null, "note": "Homeowners Protection Act; good payment history required", "updated_at": "2026-10-28 19:25:10" }, { "key": "pmms_15y", "region": "US", "value": "6.6", "unit": "pct", "label": "15-year fixed rate, national weekly average", "source_name": "Freddie Mac Primary Mortgage Market Survey", "source_url": "https://www.freddiemac.com/pmms", "as_of": "2026-10-29", "period": "Week of Oct 29, 2026", "note": null, "updated_at": "2026-10-29 20:30:08" }, { "key": "pmms_30y", "region": "US", "value": "7.24", "unit": "pct", "label": "30-year fixed rate, national weekly average", "source_name": "Freddie Mac Primary Mortgage Market Survey", "source_url": "https://www.freddiemac.com/pmms", "as_of": "2026-10-29", "period": "Week of Oct 29, 2026", "note": null, "updated_at": "2026-10-29 20:30:08" }, { "key": "pmms_30y_prev", "region": "US", "value": "7.32", "unit": "pct", "label": "30-year fixed rate, previous week", "source_name": "Freddie Mac Primary Mortgage Market Survey", "source_url": "https://www.freddiemac.com/pmms", "as_of": "2026-10-22", "period": "Week of Oct 22, 2026", "note": null, "updated_at": "2026-10-29 20:30:08" }, { "key": "pmms_30y_year_ago", "region": "US", "value": "6.17", "unit": "pct", "label": "30-year fixed rate, a year earlier", "source_name": "Freddie Mac Primary Mortgage Market Survey", "source_url": "https://www.freddiemac.com/pmms", "as_of": "2025-10-30", "period": "Week of Oct 30, 2025", "note": null, "updated_at": "2026-10-29 20:30:08" }, { "key": "point_cost", "region": "US", "value": "1", "unit": "pct", "label": "Cost of one discount point (share of loan amount)", "source_name": "CFPB", "source_url": "https://www.consumerfinance.gov/ask-cfpb/how-should-i-use-lender-credits-and-points-also-called-discount-points-en-136/", "as_of": "2023-10-19", "period": null, "note": null, "updated_at": "2026-10-28 21:47:44" }, { "key": "prepay_max_pct_early", "region": "US", "value": "2", "unit": "pct", "label": "Maximum prepayment penalty in the first two years (share of balance prepaid)", "source_name": "12 CFR 1026.43(g)", "source_url": "https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.43", "as_of": "2026-10-28", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-28 22:30:35" }, { "key": "prepay_max_pct_y3", "region": "US", "value": "1", "unit": "pct", "label": "Maximum prepayment penalty in the third year (share of balance prepaid)", "source_name": "12 CFR 1026.43(g)", "source_url": "https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.43", "as_of": "2026-10-28", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-28 22:30:35" }, { "key": "prepay_max_years", "region": "US", "value": "3", "unit": "years", "label": "Prepayment penalty may not apply after this many years (qualified mortgages)", "source_name": "12 CFR 1026.43(g)", "source_url": "https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.43", "as_of": "2026-10-28", "period": null, "note": "Only on QMs whose APR cannot rise and that are not higher-priced; checked Oct 2026", "updated_at": "2026-10-28 22:30:35" }, { "key": "prime_rate", "region": "US", "value": "7.00", "unit": "pct", "label": "Bank prime loan rate", "source_name": "Federal Reserve H.15", "source_url": "https://www.federalreserve.gov/releases/h15/", "as_of": "2026-10-28", "period": "Oct 28, 2026", "note": "Refreshed automatically from the Federal Reserve H.15 release", "updated_at": "2026-10-29 21:59:40" }, { "key": "qm_apr_spread_max", "region": "US", "value": "2.25", "unit": "pct", "label": "General QM: APR must stay below the average prime offer rate plus this (first-lien loans of $137,958 or more)", "source_name": "CFPB, Federal Register 90 FR 57890", "source_url": "https://www.federalregister.gov/documents/2025/12/15/2025-22773/truth-in-lending-regulation-z-annual-threshold-adjustments-credit-cards-hoepa-and-qualified", "as_of": "2026-01-01", "period": "2026 threshold", "note": "Percentage points over APOR", "updated_at": "2026-10-28 22:30:47" }, { "key": "qm_max_term", "region": "US", "value": "30", "unit": "years", "label": "Longest term allowed on a Qualified Mortgage", "source_name": "CFPB", "source_url": "https://www.consumerfinance.gov/ask-cfpb/what-is-a-qualified-mortgage-en-1789/", "as_of": "2025-01-07", "period": null, "note": "QMs also cannot be interest-only or negatively amortizing", "updated_at": "2026-10-28 21:47:44" }, { "key": "qm_points_fees_cap", "region": "US", "value": "3", "unit": "pct", "label": "Qualified Mortgage points-and-fees cap (loans of $137,958 or more)", "source_name": "CFPB, Federal Register 90 FR 57890", "source_url": "https://www.federalregister.gov/documents/2025/12/15/2025-22773/truth-in-lending-regulation-z-annual-threshold-adjustments-credit-cards-hoepa-and-qualified", "as_of": "2026-01-01", "period": "2026 threshold", "note": null, "updated_at": "2026-10-28 21:47:44" }, { "key": "rate_lock_typical", "region": "US", "value": "30, 45 or 60 days", "unit": "text", "label": "Typical rate lock periods", "source_name": "CFPB", "source_url": "https://www.consumerfinance.gov/ask-cfpb/whats-a-lock-in-or-a-rate-lock-en-143/", "as_of": "2026-10-28", "period": null, "note": "“Sometimes longer”; checked Oct 2026", "updated_at": "2026-10-28 22:29:40" }, { "key": "refi_cost_high", "region": "US", "value": "6", "unit": "pct", "label": "Typical refinance closing costs, high end (share of loan principal)", "source_name": "Freddie Mac My Home", "source_url": "https://myhome.freddiemac.com/refinancing/costs-of-refinancing", "as_of": "2026-10-28", "period": null, "note": null, "updated_at": "2026-10-28 21:47:44" }, { "key": "refi_cost_low", "region": "US", "value": "3", "unit": "pct", "label": "Typical refinance closing costs, low end (share of loan principal)", "source_name": "Freddie Mac My Home", "source_url": "https://myhome.freddiemac.com/refinancing/costs-of-refinancing", "as_of": "2026-10-28", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-28 21:47:44" }, { "key": "regx_deficiency_installments", "region": "US", "value": "2", "unit": "count", "label": "Escrow deficiency (negative balance) of a month’s escrow payment or more: if the servicer collects it, repayment is in at least this many equal monthly payments", "source_name": "12 CFR 1024.17 (Regulation X)", "source_url": "https://www.consumerfinance.gov/rules-policy/regulations/1024/17/", "as_of": "2026-10-29", "period": null, "note": "Smaller deficiencies may be collected within 30 days or in two or more monthly payments; applies if you are current; checked Oct 2026", "updated_at": "2026-10-29 10:31:52" }, { "key": "regx_deficiency_small_days", "region": "US", "value": "30", "unit": "days", "label": "Escrow deficiency smaller than a month’s escrow payment: the servicer may ask for repayment within", "source_name": "12 CFR 1024.17 (Regulation X)", "source_url": "https://www.consumerfinance.gov/rules-policy/regulations/1024/17/", "as_of": "2026-10-29", "period": null, "note": "Or leave it in place, or collect it in two or more equal monthly payments; checked Oct 2026", "updated_at": "2026-10-29 10:31:52" }, { "key": "regx_escrow_current_days", "region": "US", "value": "30", "unit": "days", "label": "Escrow rules: you count as current if the servicer receives each payment within this long of its due date", "source_name": "12 CFR 1024.17 (Regulation X)", "source_url": "https://www.consumerfinance.gov/rules-policy/regulations/1024/17/", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 10:31:52" }, { "key": "regx_escrow_initial_days", "region": "US", "value": "45", "unit": "days", "label": "Initial escrow account statement due at closing or within", "source_name": "12 CFR 1024.17 (Regulation X)", "source_url": "https://www.consumerfinance.gov/rules-policy/regulations/1024/17/", "as_of": "2026-10-29", "period": null, "note": "Calendar days after settlement; checked Oct 2026", "updated_at": "2026-10-29 10:31:52" }, { "key": "regx_escrow_statement_days", "region": "US", "value": "30", "unit": "days", "label": "Annual escrow account statement due within this long after the escrow computation year ends", "source_name": "12 CFR 1024.17 (Regulation X)", "source_url": "https://www.consumerfinance.gov/rules-policy/regulations/1024/17/", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 10:31:52" }, { "key": "regx_foreclosure_days", "region": "US", "value": "120", "unit": "days", "label": "Servicer cannot make the first foreclosure notice or filing until a closed-end mortgage is more than this delinquent", "source_name": "12 CFR 1024.41(f)(1) (Regulation X)", "source_url": "https://www.consumerfinance.gov/rules-policy/regulations/1024/41/", "as_of": "2026-10-28", "period": null, "note": "Checked Oct 2026; principal residence; does not cover HELOCs (open-end lines)", "updated_at": "2026-10-28 22:29:38" }, { "key": "regx_fpi_notice_days", "region": "US", "value": "45", "unit": "days", "label": "Force-placed insurance: first written notice at least this long before the servicer charges you", "source_name": "12 CFR 1024.37 (Regulation X)", "source_url": "https://www.consumerfinance.gov/rules-policy/regulations/1024/37/", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 10:31:52" }, { "key": "regx_fpi_refund_days", "region": "US", "value": "15", "unit": "days", "label": "Servicer must cancel force-placed insurance and refund overlapping premiums within this long of receiving proof of your own coverage", "source_name": "12 CFR 1024.37 (Regulation X)", "source_url": "https://www.consumerfinance.gov/rules-policy/regulations/1024/37/", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 10:31:52" }, { "key": "regx_fpi_reminder_days", "region": "US", "value": "15", "unit": "days", "label": "Force-placed insurance: reminder notice at least this long before the charge (and at least 30 days after the first notice)", "source_name": "12 CFR 1024.37 (Regulation X)", "source_url": "https://www.consumerfinance.gov/rules-policy/regulations/1024/37/", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 10:31:52" }, { "key": "regx_lm_eval_days", "region": "US", "value": "30", "unit": "days", "label": "Servicer must evaluate a complete loss mitigation application and send a written decision within", "source_name": "12 CFR 1024.41(c)(1) (Regulation X)", "source_url": "https://www.consumerfinance.gov/rules-policy/regulations/1024/41/", "as_of": "2026-10-29", "period": null, "note": "Applies to complete applications received more than 37 days before a foreclosure sale; checked Oct 2026", "updated_at": "2026-10-29 10:28:37" }, { "key": "regx_lm_sale_days", "region": "US", "value": "37", "unit": "days", "label": "Loss mitigation protections apply to complete applications received more than this many days before a foreclosure sale", "source_name": "12 CFR 1024.41(c) and (g) (Regulation X)", "source_url": "https://www.consumerfinance.gov/rules-policy/regulations/1024/41/", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 10:28:37" }, { "key": "regz_application_items", "region": "US", "value": "6", "unit": "count", "label": "Pieces of information that make a mortgage application under Regulation Z (name, income, SSN, property address, value estimate, loan amount)", "source_name": "CFPB: Regulation Z § 1026.2(a)(3)(ii)", "source_url": "https://www.consumerfinance.gov/rules-policy/regulations/1026/2/", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 10:35:22" }, { "key": "regz_construction_months", "region": "US", "value": "12", "unit": "months", "label": "Construction phase of a construction-to-permanent loan is exempt from the ability-to-repay rule if no longer than", "source_name": "12 CFR 1026.43", "source_url": "https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.43", "as_of": "2026-10-22", "period": null, "note": "Section 1026.43(a)(3)", "updated_at": "2026-10-28 22:30:47" }, { "key": "regz_hpml_escrow_ltv", "region": "US", "value": "80", "unit": "pct", "label": "Higher-priced mortgage loan: escrow cancellation also needs the balance below this share of the original value", "source_name": "12 CFR 1026.35(b) (Regulation Z)", "source_url": "https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.35", "as_of": "2026-10-29", "period": null, "note": "And no delinquency or default; checked Oct 2026", "updated_at": "2026-10-29 10:31:52" }, { "key": "regz_hpml_escrow_years", "region": "US", "value": "5", "unit": "years", "label": "Higher-priced mortgage loan: required escrow account can’t be cancelled until at least this long after closing", "source_name": "12 CFR 1026.35(b) (Regulation Z)", "source_url": "https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.35", "as_of": "2026-10-29", "period": null, "note": "Applies to first liens on a principal dwelling; checked Oct 2026", "updated_at": "2026-10-29 10:31:52" }, { "key": "regz_hpml_spread", "region": "US", "value": "1.5", "unit": "pct", "label": "Higher-priced mortgage loan: APR at least this many percentage points above the average prime offer rate (first lien, conforming size)", "source_name": "12 CFR 1026.35(a) (Regulation Z)", "source_url": "https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.35", "as_of": "2026-10-29", "period": null, "note": "2.5 points for first liens above the conforming limit, 3.5 for subordinate liens; checked Oct 2026", "updated_at": "2026-10-29 10:31:52" }, { "key": "regz_qm_arm_years", "region": "US", "value": "5", "unit": "years", "label": "General Qualified Mortgage: an ARM is underwritten at the highest rate that may apply during this many years after the first payment is due", "source_name": "12 CFR 1026.43(e)(2)(iv)", "source_url": "https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.43", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 10:37:17" }, { "key": "rescission_bdays", "region": "US", "value": "3", "unit": "bdays", "label": "Right to cancel a refinance or home equity loan on your principal home", "source_name": "CFPB", "source_url": "https://www.consumerfinance.gov/ask-cfpb/can-i-change-my-mind-after-i-sign-the-loan-closing-documents-for-my-second-mortgage-or-refinance-what-is-the-right-of-rescission-en-186/", "as_of": "2024-08-08", "period": null, "note": "Does not apply to purchase loans", "updated_at": "2026-10-28 21:47:44" }, { "key": "rescission_extended_years", "region": "US", "value": "3", "unit": "years", "label": "Right to cancel lasts up to this long if the required notice or disclosures were not given", "source_name": "12 CFR 1026.15(a)(3) and 1026.23(a)(3)", "source_url": "https://www.consumerfinance.gov/rules-policy/regulations/1026/15/", "as_of": "2026-10-28", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-28 22:29:38" }, { "key": "rescission_refund_days", "region": "US", "value": "20", "unit": "days", "label": "After you cancel, the lender must return your money and release the lien within", "source_name": "CFPB; 12 CFR 1026.15(d)(2) and 1026.23(d)(2)", "source_url": "https://www.consumerfinance.gov/ask-cfpb/can-i-change-my-mind-after-i-sign-the-loan-closing-documents-for-my-second-mortgage-or-refinance-what-is-the-right-of-rescission-en-186/", "as_of": "2026-10-28", "period": null, "note": "Checked Oct 2026; calendar days", "updated_at": "2026-10-28 22:29:38" }, { "key": "servicing_transfer_grace_days", "region": "US", "value": "60", "unit": "days", "label": "After a servicing transfer, an on-time payment sent to the old servicer cannot be treated as late for", "source_name": "CFPB, Regulation X 1024.33", "source_url": "https://www.consumerfinance.gov/rules-policy/regulations/1024/33/", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026; period begins on the effective date of transfer", "updated_at": "2026-10-29 10:30:17" }, { "key": "servicing_transfer_notice_days", "region": "US", "value": "15", "unit": "days", "label": "Servicing transfer notice: old servicer at least this long before the transfer, new servicer within this long after", "source_name": "CFPB, Regulation X 1024.33", "source_url": "https://www.consumerfinance.gov/rules-policy/regulations/1024/33/", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026; the two notices may be combined and sent before the transfer", "updated_at": "2026-10-29 10:30:17" }, { "key": "usda_ch13_payout_months", "region": "US", "value": "12", "unit": "months", "label": "USDA guaranteed loan: months of a Chapter 13 plan with on-time payments before a new loan (plus court or trustee permission)", "source_name": "USDA Rural Development HB-1-3555, Chapter 10 (Attachment 10-A)", "source_url": "https://www.rd.usda.gov/sites/default/files/RD-SFH-3555CHAPTER10.pdf", "as_of": "2020-03-19", "period": null, "note": "Plans completed 12 months before application need no further documentation, checked Oct 2026", "updated_at": "2026-10-29 10:35:22" }, { "key": "usda_fee_annual", "region": "US", "value": "0.35", "unit": "pct", "label": "USDA guaranteed loan annual fee", "source_name": "USDA Rural Development", "source_url": "https://www.rd.usda.gov/media/file/download/usda-rd-sfh-guarantee-loan-program-101-jan-2026.pdf", "as_of": "2026-01-01", "period": "FY2026", "note": "Program overview dated January 2026", "updated_at": "2026-10-28 21:47:44" }, { "key": "usda_fee_upfront", "region": "US", "value": "1", "unit": "pct", "label": "USDA guaranteed loan upfront guarantee fee", "source_name": "USDA Rural Development", "source_url": "https://www.rd.usda.gov/media/file/download/usda-rd-sfh-guarantee-loan-program-101-jan-2026.pdf", "as_of": "2026-01-01", "period": "FY2026", "note": "Program overview dated January 2026", "updated_at": "2026-10-28 21:47:44" }, { "key": "usda_guarantee_pct", "region": "US", "value": "90", "unit": "pct", "label": "USDA guaranteed loan: loan note guarantee to approved lenders", "source_name": "USDA Rural Development", "source_url": "https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-guaranteed-loan-program", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 10:30:17" }, { "key": "usda_income_limit", "region": "US", "value": "115", "unit": "pct", "label": "USDA guaranteed loan income limit (share of area median income)", "source_name": "USDA Rural Development", "source_url": "https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-guaranteed-loan-program", "as_of": "2026-10-28", "period": null, "note": null, "updated_at": "2026-10-28 19:25:10" }, { "key": "usda_min_down", "region": "US", "value": "0", "unit": "pct", "label": "USDA guaranteed loan down payment", "source_name": "USDA Rural Development", "source_url": "https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-guaranteed-loan-program", "as_of": "2026-10-28", "period": null, "note": "Income up to 115% of area median; eligible rural areas; 30-year fixed only", "updated_at": "2026-10-28 19:25:10" }, { "key": "usda_occupancy_days", "region": "US", "value": "60", "unit": "days", "label": "USDA guaranteed loan: borrower must move in within", "source_name": "USDA Rural Development", "source_url": "https://www.rd.usda.gov/media/file/download/usda-rd-sfh-guarantee-loan-program-101-jan-2026.pdf", "as_of": "2026-01-01", "period": "FY2026", "note": "Program overview dated January 2026; home must remain the principal residence", "updated_at": "2026-10-28 22:30:47" }, { "key": "usda_piti_ratio", "region": "US", "value": "29", "unit": "pct", "label": "USDA guaranteed loan: housing payment ratio (share of repayment income)", "source_name": "USDA Rural Development, HB-1-3555 Chapter 11", "source_url": "https://www.rd.usda.gov/files/3555-1chapter11.pdf", "as_of": "2025-11-25", "period": null, "note": "Waivers possible, for example with validated credit scores of 680 or more", "updated_at": "2026-10-28 22:30:47" }, { "key": "usda_total_ratio", "region": "US", "value": "41", "unit": "pct", "label": "USDA guaranteed loan: total debt ratio (share of repayment income)", "source_name": "USDA Rural Development, HB-1-3555 Chapter 11", "source_url": "https://www.rd.usda.gov/files/3555-1chapter11.pdf", "as_of": "2025-11-25", "period": null, "note": null, "updated_at": "2026-10-28 22:30:47" }, { "key": "usda_wait_ch7_months", "region": "US", "value": "36", "unit": "months", "label": "USDA guaranteed loan: a Chapter 7 bankruptcy discharged more than this long before application is not adverse credit", "source_name": "USDA Rural Development HB-1-3555, Chapter 10 (Attachment 10-A)", "source_url": "https://www.rd.usda.gov/sites/default/files/RD-SFH-3555CHAPTER10.pdf", "as_of": "2020-03-19", "period": null, "note": "Shorter periods need a lender credit exception (GUS Refer or manual) unless GUS issues an Accept, checked Oct 2026", "updated_at": "2026-10-29 10:35:22" }, { "key": "usda_wait_foreclosure_months", "region": "US", "value": "36", "unit": "months", "label": "USDA guaranteed loan: a foreclosure, deed-in-lieu or short sale this long before application is not adverse credit", "source_name": "USDA Rural Development HB-1-3555, Chapter 10 (Attachment 10-A)", "source_url": "https://www.rd.usda.gov/sites/default/files/RD-SFH-3555CHAPTER10.pdf", "as_of": "2020-03-19", "period": null, "note": "Shorter periods need a lender credit exception (GUS Refer or manual) unless GUS issues an Accept, checked Oct 2026", "updated_at": "2026-10-29 10:35:22" }, { "key": "va_basic_entitlement", "region": "US", "value": "36000", "unit": "usd", "label": "VA basic entitlement (guaranty on loans of $144,000 or less)", "source_name": "U.S. Department of Veterans Affairs: VA home loan limits", "source_url": "https://www.va.gov/housing-assistance/home-loans/loan-limits/", "as_of": "2025-08-12", "period": null, "note": "Page last updated August 12, 2025, checked Oct 2026", "updated_at": "2026-10-29 10:35:22" }, { "key": "va_cashout_max_ltv", "region": "US", "value": "100", "unit": "pct", "label": "VA refinance (including cash-out) maximum loan-to-value allowed by VA", "source_name": "38 CFR 36.4306", "source_url": "https://www.ecfr.gov/current/title-38/chapter-I/part-36/subpart-B/section-36.4306", "as_of": "2026-10-22", "period": null, "note": "Lenders may set lower limits", "updated_at": "2026-10-28 21:47:44" }, { "key": "va_ch13_payout_months", "region": "US", "value": "12", "unit": "months", "label": "VA: during a Chapter 13 plan, months of satisfactory payments before a new loan can be considered (trustee or judge must approve)", "source_name": "38 CFR 36.4340(g)(3)", "source_url": "https://www.ecfr.gov/current/title-38/chapter-I/part-36/subpart-B/section-36.4340", "as_of": "2026-07-16", "period": null, "note": "eCFR up to date as of 7/16/2026, checked Oct 2026", "updated_at": "2026-10-29 10:35:22" }, { "key": "va_dti_guide", "region": "US", "value": "41", "unit": "pct", "label": "VA debt-to-income guideline (higher ratios need documented compensating factors)", "source_name": "38 CFR 36.4340", "source_url": "https://www.ecfr.gov/current/title-38/chapter-I/part-36/subpart-B/section-36.4340", "as_of": "2026-10-23", "period": null, "note": "VA also applies regional residual-income guidelines", "updated_at": "2026-10-28 22:30:47" }, { "key": "va_ff_assumption", "region": "US", "value": "0.5", "unit": "pct", "label": "VA funding fee on a loan assumption", "source_name": "U.S. Department of Veterans Affairs: VA funding fee and loan closing costs", "source_url": "https://www.va.gov/housing-assistance/home-loans/funding-fee-and-closing-costs/", "as_of": "2023-04-07", "period": null, "note": "Rates effective April 7, 2023; checked Oct 2026", "updated_at": "2026-10-29 10:28:37" }, { "key": "va_ff_cashout_first", "region": "US", "value": "2.15", "unit": "pct", "label": "VA funding fee, cash-out refinance, first use", "source_name": "U.S. Department of Veterans Affairs", "source_url": "https://www.va.gov/housing-assistance/home-loans/funding-fee-and-closing-costs/", "as_of": "2023-04-07", "period": null, "note": "3.3% after first use", "updated_at": "2026-10-28 21:47:44" }, { "key": "va_ff_cashout_subseq", "region": "US", "value": "3.3", "unit": "pct", "label": "VA funding fee, cash-out refinance, after first use", "source_name": "U.S. Department of Veterans Affairs", "source_url": "https://www.va.gov/housing-assistance/home-loans/funding-fee-and-closing-costs/", "as_of": "2023-04-07", "period": null, "note": null, "updated_at": "2026-10-28 21:47:44" }, { "key": "va_ff_first_10", "region": "US", "value": "1.25", "unit": "pct", "label": "VA funding fee, 10% or more down", "source_name": "U.S. Department of Veterans Affairs", "source_url": "https://www.va.gov/housing-assistance/home-loans/funding-fee-and-closing-costs/", "as_of": "2023-04-07", "period": null, "note": "Same for first and later use", "updated_at": "2026-10-28 21:47:44" }, { "key": "va_ff_first_5", "region": "US", "value": "1.5", "unit": "pct", "label": "VA funding fee, 5% to under 10% down", "source_name": "U.S. Department of Veterans Affairs", "source_url": "https://www.va.gov/housing-assistance/home-loans/funding-fee-and-closing-costs/", "as_of": "2023-04-07", "period": null, "note": "Same for first and later use", "updated_at": "2026-10-28 21:47:44" }, { "key": "va_ff_first_lt5", "region": "US", "value": "2.15", "unit": "pct", "label": "VA funding fee, first use, less than 5% down", "source_name": "U.S. Department of Veterans Affairs", "source_url": "https://www.va.gov/housing-assistance/home-loans/funding-fee-and-closing-costs/", "as_of": "2023-04-07", "period": null, "note": "Fee table effective Apr 7, 2023; page checked Oct 2026", "updated_at": "2026-10-28 21:47:44" }, { "key": "va_ff_irrrl", "region": "US", "value": "0.5", "unit": "pct", "label": "VA funding fee, Interest Rate Reduction Refinance Loan (IRRRL)", "source_name": "U.S. Department of Veterans Affairs", "source_url": "https://www.va.gov/housing-assistance/home-loans/funding-fee-and-closing-costs/", "as_of": "2023-04-07", "period": null, "note": "Veterans receiving VA disability compensation are exempt", "updated_at": "2026-10-28 21:47:44" }, { "key": "va_ff_subseq_lt5", "region": "US", "value": "3.3", "unit": "pct", "label": "VA funding fee, after first use, less than 5% down", "source_name": "U.S. Department of Veterans Affairs", "source_url": "https://www.va.gov/housing-assistance/home-loans/funding-fee-and-closing-costs/", "as_of": "2023-04-07", "period": null, "note": null, "updated_at": "2026-10-28 21:47:44" }, { "key": "va_guaranty_share", "region": "US", "value": "25", "unit": "pct", "label": "VA guaranty on loans above $144,000 (share of the loan amount)", "source_name": "U.S. Department of Veterans Affairs", "source_url": "https://www.va.gov/housing-assistance/home-loans/loan-limits/", "as_of": "2025-08-12", "period": null, "note": "Most lenders want entitlement, down payment or both to cover 25% of the loan", "updated_at": "2026-10-28 22:30:47" }, { "key": "va_irrrl_arm_rate_drop", "region": "US", "value": "2", "unit": "pct", "label": "VA IRRRL fixed-to-adjustable: new rate at least this much lower", "source_name": "38 U.S.C. 3709", "source_url": "https://www.govinfo.gov/link/uscode/38/3709", "as_of": "2026-10-28", "period": null, "note": "200 basis points; checked Oct 2026", "updated_at": "2026-10-28 22:30:35" }, { "key": "va_irrrl_days", "region": "US", "value": "210", "unit": "days", "label": "VA IRRRL seasoning: days after the first payment due date", "source_name": "38 U.S.C. 3709", "source_url": "https://www.govinfo.gov/link/uscode/38/3709", "as_of": "2026-10-28", "period": null, "note": "And at least six consecutive monthly payments", "updated_at": "2026-10-28 21:47:44" }, { "key": "va_irrrl_payments", "region": "US", "value": "6", "unit": "count", "label": "VA IRRRL seasoning: consecutive monthly payments made", "source_name": "38 U.S.C. 3709", "source_url": "https://www.govinfo.gov/link/uscode/38/3709", "as_of": "2026-10-28", "period": null, "note": null, "updated_at": "2026-10-28 21:47:44" }, { "key": "va_irrrl_rate_drop", "region": "US", "value": "0.5", "unit": "pct", "label": "VA IRRRL fixed-to-fixed: new rate at least this much lower", "source_name": "38 U.S.C. 3709", "source_url": "https://www.govinfo.gov/link/uscode/38/3709", "as_of": "2026-10-28", "period": null, "note": "50 basis points", "updated_at": "2026-10-28 21:47:44" }, { "key": "va_irrrl_recoup", "region": "US", "value": "36", "unit": "months", "label": "VA IRRRL: fees and closing costs must be recouped within", "source_name": "38 U.S.C. 3709", "source_url": "https://www.govinfo.gov/link/uscode/38/3709", "as_of": "2026-10-28", "period": null, "note": null, "updated_at": "2026-10-28 21:47:44" }, { "key": "va_min_down", "region": "US", "value": "0", "unit": "pct", "label": "VA purchase loan down payment (price at or below appraised value)", "source_name": "U.S. Department of Veterans Affairs", "source_url": "https://www.va.gov/housing-assistance/home-loans/loan-types/purchase-loan/", "as_of": "2026-01-07", "period": null, "note": "No PMI or MIP; a one-time funding fee may apply", "updated_at": "2026-10-28 19:25:10" }, { "key": "va_residual_4_mw", "region": "US", "value": "1003", "unit": "usd_month", "label": "VA residual income guideline, family of four, loans of $80,000 or more, Midwest", "source_name": "38 CFR 36.4340", "source_url": "https://www.ecfr.gov/current/title-38/chapter-I/part-36/subpart-B/section-36.4340", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 10:27:45" }, { "key": "va_residual_4_ne", "region": "US", "value": "1025", "unit": "usd_month", "label": "VA residual income guideline, family of four, loans of $80,000 or more, Northeast", "source_name": "38 CFR 36.4340", "source_url": "https://www.ecfr.gov/current/title-38/chapter-I/part-36/subpart-B/section-36.4340", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 10:27:45" }, { "key": "va_residual_4_s", "region": "US", "value": "1003", "unit": "usd_month", "label": "VA residual income guideline, family of four, loans of $80,000 or more, South", "source_name": "38 CFR 36.4340", "source_url": "https://www.ecfr.gov/current/title-38/chapter-I/part-36/subpart-B/section-36.4340", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 10:27:45" }, { "key": "va_residual_4_w", "region": "US", "value": "1117", "unit": "usd_month", "label": "VA residual income guideline, family of four, loans of $80,000 or more, West", "source_name": "38 CFR 36.4340", "source_url": "https://www.ecfr.gov/current/title-38/chapter-I/part-36/subpart-B/section-36.4340", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 10:27:45" }, { "key": "va_residual_excess", "region": "US", "value": "20", "unit": "pct", "label": "VA: residual income this far above the guideline lets a loan with DTI above 41% skip the second-level review", "source_name": "38 CFR 36.4340", "source_url": "https://www.ecfr.gov/current/title-38/chapter-I/part-36/subpart-B/section-36.4340", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 10:27:45" }, { "key": "va_seller_concessions", "region": "US", "value": "4", "unit": "pct", "label": "VA limit on seller concessions (share of the home’s reasonable value)", "source_name": "U.S. Department of Veterans Affairs", "source_url": "https://www.va.gov/housing-assistance/home-loans/funding-fee-and-closing-costs/", "as_of": "2026-10-28", "period": null, "note": "Checked Oct 2026; VA does not limit credits for closing costs", "updated_at": "2026-10-28 22:30:47" }, { "key": "va_wait_bk_min_months", "region": "US", "value": "12", "unit": "months", "label": "VA: after a bankruptcy discharge within this period, approval is generally not possible", "source_name": "38 CFR 36.4340(g)(2)", "source_url": "https://www.ecfr.gov/current/title-38/chapter-I/part-36/subpart-B/section-36.4340", "as_of": "2026-07-16", "period": null, "note": "eCFR up to date as of 7/16/2026, checked Oct 2026", "updated_at": "2026-10-29 10:35:22" }, { "key": "va_wait_bk_years", "region": "US", "value": "2", "unit": "years", "label": "VA: a bankruptcy discharged more than this long ago may be disregarded", "source_name": "U.S. Department of Veterans Affairs: Credit standards FAQ", "source_url": "https://homeloans.va.gov/CreditStandards/runtime/faq/020100000050.html", "as_of": "2026-10-29", "period": null, "note": "A discharge 1–2 years ago needs re-established credit and a documented cause beyond the borrower's control, checked Oct 2026", "updated_at": "2026-10-29 10:51:34" }, { "key": "acs_median_income", "region": "AK", "value": "95665", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US02", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±3278", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "AK", "value": "1444", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US02", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±48", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "AK", "value": "3976", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US02", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±149", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "AK", "value": "376500", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US02", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±7020", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "AK", "value": "1986", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US02", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "AK", "value": "2253", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US02", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±51", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "AK", "value": "66.5", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US02", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "AK", "value": "1.06", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US02", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "conforming_limit_baseline", "region": "AK", "value": "1249125", "unit": "usd", "label": "2026 conforming loan limit in Alaska (one-unit baseline)", "source_name": "FHFA: Conforming Loan Limit Values for 2026", "source_url": "https://www.fhfa.gov/news/news-release/fhfa-announces-conforming-loan-limit-values-for-2026", "as_of": "2025-11-25", "period": "2026", "note": "Special statutory baseline for Alaska, Hawaii, Guam and the U.S. Virgin Islands", "updated_at": "2026-10-29 07:51:01" }, { "key": "conforming_limit_ceiling", "region": "AK", "value": "1873675", "unit": "usd", "label": "2026 conforming loan limit ceiling in Alaska (one-unit)", "source_name": "FHFA: Conforming Loan Limit Values for 2026", "source_url": "https://www.fhfa.gov/news/news-release/fhfa-announces-conforming-loan-limit-values-for-2026", "as_of": "2025-11-25", "period": "2026", "note": "Same ceiling in Hawaii, Guam and the U.S. Virgin Islands", "updated_at": "2026-10-29 07:51:01" }, { "key": "fha_limit_ceiling", "region": "AK", "value": "1873625", "unit": "usd", "label": "2026 FHA one-unit limit ceiling in Alaska (special exception area)", "source_name": "HUD Mortgagee Letter 2025-23: 2026 Nationwide Forward Mortgage Loan Limits", "source_url": "https://www.hud.gov/sites/dfiles/hudclips/documents/2025-23hsgml.pdf", "as_of": "2025-12-11", "period": "2026", "note": "Higher ceiling for Alaska, Hawaii, Guam and the Virgin Islands to reflect construction costs; county limits may be lower", "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_fthb_years", "region": "AK", "value": "3", "unit": "years", "label": "AHFC First-Time Homebuyer Program: no primary residence owned in the past", "source_name": "Alaska Housing Finance Corporation: First-Time Homebuyer Program", "source_url": "https://www.ahfc.us/buy/loan-programs/first-time-loans", "as_of": "2026-10-29", "period": null, "note": "Exceptions for targeted areas and qualified veterans (First Home Limited); checked Oct 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_max_ltv", "region": "AK", "value": "97", "unit": "pct", "label": "AHFC 97% loan-to-value option (maximum loan as a share of value)", "source_name": "Alaska Housing Finance Corporation: Loan Options", "source_url": "https://www.ahfc.us/buy/add-options", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_vet_rate_cut", "region": "AK", "value": "1", "unit": "pct", "label": "AHFC State Veterans Interest Rate Preference: rate reduction on the first $50,000 of the loan", "source_name": "Alaska Housing Finance Corporation: Loan Options", "source_url": "https://www.ahfc.us/buy/add-options", "as_of": "2026-10-29", "period": null, "note": "Veterans must meet State Vet income limits; checked Oct 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_vet_rate_cut_amount", "region": "AK", "value": "50000", "unit": "usd", "label": "AHFC State Veterans Interest Rate Preference applies to the first", "source_name": "Alaska Housing Finance Corporation: Loan Options", "source_url": "https://www.ahfc.us/buy/add-options", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "transfer_tax_rate", "region": "AK", "value": "0", "unit": "pct", "label": "State real estate transfer tax", "source_name": "National Association of Realtors", "source_url": "https://narfocus.com/publication-issue/view/2023-07-05-state-and-local-issues-real-estate-transfer-tax", "as_of": "2023-07-05", "period": null, "note": "No statewide transfer tax", "updated_at": "2026-10-28 21:47:44" }, { "key": "acs_median_income", "region": "AL", "value": "66659", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US01", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±780", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "AL", "value": "1077", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US01", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±16", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "AL", "value": "890", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US01", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±17", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "AL", "value": "233300", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US01", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±2461", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "AL", "value": "1987", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US01", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "AL", "value": "1500", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US01", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±15", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "AL", "value": "71", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US01", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "AL", "value": "0.38", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US01", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "hfa_dpa_max", "region": "AL", "value": "10000", "unit": "usd", "label": "AHFA Step Up down payment assistance, up to", "source_name": "Alabama Housing Finance Authority: Step Up", "source_url": "https://www.ahfa.com/programs/homeownership/available-programs/step-up", "as_of": "2026-10-29", "period": null, "note": "4% of the sales price up to $10,000, secured by a 10-year second mortgage; checked Oct 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_dpa_max_pct", "region": "AL", "value": "4", "unit": "pct", "label": "AHFA Step Up down payment assistance (share of the sales price)", "source_name": "Alabama Housing Finance Authority: Step Up", "source_url": "https://www.ahfa.com/programs/homeownership/available-programs/step-up", "as_of": "2026-10-29", "period": null, "note": "Capped at $10,000; checked Oct 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_dpa_term_years", "region": "AL", "value": "10", "unit": "years", "label": "AHFA Step Up second mortgage term", "source_name": "Alabama Housing Finance Authority: Step Up", "source_url": "https://www.ahfa.com/programs/homeownership/available-programs/step-up", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_income_limit", "region": "AL", "value": "172800", "unit": "usd", "label": "AHFA Step Up household income limit", "source_name": "Alabama Housing Finance Authority: Step Up", "source_url": "https://www.ahfa.com/programs/homeownership/available-programs/step-up", "as_of": "2026-10-29", "period": null, "note": "Regardless of household size or location; checked Oct 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_min_score", "region": "AL", "value": "640", "unit": "score", "label": "AHFA minimum credit score (all programs)", "source_name": "Alabama Housing Finance Authority: Step Up", "source_url": "https://www.ahfa.com/programs/homeownership/available-programs/step-up", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "homestead_exemption", "region": "AL", "value": "4000", "unit": "usd", "label": "Alabama regular homestead exemption (H-1), state taxes (assessed value)", "source_name": "Alabama Department of Revenue: Homestead Exemptions", "source_url": "https://www.revenue.alabama.gov/property-tax/homestead-exemptions/", "as_of": "2025-10-20", "period": null, "note": "Owners under 65 and not disabled; $2,000 of assessed value for county taxes", "updated_at": "2026-10-29 07:51:01" }, { "key": "homestead_exemption_county", "region": "AL", "value": "2000", "unit": "usd", "label": "Alabama regular homestead exemption (H-1), county taxes (assessed value)", "source_name": "Alabama Department of Revenue: Homestead Exemptions", "source_url": "https://www.revenue.alabama.gov/property-tax/homestead-exemptions/", "as_of": "2025-10-20", "period": null, "note": "Counties, cities or other taxing authorities may grant up to $4,000", "updated_at": "2026-10-29 07:51:01" }, { "key": "mortgage_tax_rate", "region": "AL", "value": "0.15", "unit": "pct", "label": "State tax on recording a mortgage", "source_name": "Alabama Department of Revenue", "source_url": "https://www.revenue.alabama.gov/tax-types/recordation-tax/", "as_of": "2023-08-14", "period": null, "note": "$0.15 per $100 of the debt", "updated_at": "2026-10-28 21:47:44" }, { "key": "transfer_tax_rate", "region": "AL", "value": "0.1", "unit": "pct", "label": "State real estate transfer tax", "source_name": "Alabama Department of Revenue", "source_url": "https://www.revenue.alabama.gov/tax-types/recordation-tax/", "as_of": "2023-08-14", "period": null, "note": "$0.50 per $500 of value", "updated_at": "2026-10-28 21:47:44" }, { "key": "acs_median_income", "region": "AR", "value": "62106", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US05", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±831", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "AR", "value": "982", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US05", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±13", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "AR", "value": "1113", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US05", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±21", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "AR", "value": "215600", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US05", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±3253", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "AR", "value": "1989", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US05", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "AR", "value": "1375", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US05", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±22", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "AR", "value": "67.1", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US05", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "AR", "value": "0.52", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US05", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "assessment_increase_cap", "region": "AR", "value": "5", "unit": "pct", "label": "Arkansas: most a homestead’s taxable value can rise in a year (Amendment 79)", "source_name": "Arkansas DFA Assessment Coordination Division: Property Tax Relief", "source_url": "https://www.dfa.arkansas.gov/office/arkansas-assessment-coordination-division/real-property/property-tax-relief/", "as_of": "2025-12-03", "period": null, "note": "Until the property reaches full assessed value; new construction and improvements excluded", "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_dpa_max", "region": "AR", "value": "15000", "unit": "usd", "label": "ADFA Down Payment Assistance Program, up to", "source_name": "Arkansas Development Finance Authority: Down Payment Assistance Program", "source_url": "https://adfa.arkansas.gov/programs/homeloans/down-payment-assistance-program/", "as_of": "2026-09-11", "period": null, "note": "$1,000 to $15,000; second mortgage with a 10-year term, paired with a StartSmart or Move-Up first mortgage", "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_dpa_min", "region": "AR", "value": "1000", "unit": "usd", "label": "ADFA Down Payment Assistance Program, from", "source_name": "Arkansas Development Finance Authority: Down Payment Assistance Program", "source_url": "https://adfa.arkansas.gov/programs/homeloans/down-payment-assistance-program/", "as_of": "2026-09-11", "period": null, "note": null, "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_dpa_term_years", "region": "AR", "value": "10", "unit": "years", "label": "ADFA Down Payment Assistance second mortgage term", "source_name": "Arkansas Development Finance Authority: Down Payment Assistance Program", "source_url": "https://adfa.arkansas.gov/programs/homeloans/down-payment-assistance-program/", "as_of": "2026-09-11", "period": null, "note": null, "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_fthb_years", "region": "AR", "value": "3", "unit": "years", "label": "ADFA StartSmart: no principal residence owned in the past", "source_name": "Arkansas Development Finance Authority: StartSmart First-Time Home Buyer Program", "source_url": "https://adfa.arkansas.gov/programs/homeloans/startsmart-first-time-home-buyer-program/", "as_of": "2026-07-28", "period": null, "note": "Waived in 30 targeted counties and for veterans", "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_income_limit", "region": "AR", "value": "142000", "unit": "usd", "label": "ADFA Move-Up qualifying income limit", "source_name": "Arkansas Development Finance Authority: Move-Up Loan Program", "source_url": "https://adfa.arkansas.gov/programs/homeloans/move-up-loan-program", "as_of": "2026-07-28", "period": null, "note": "No first-time buyer requirement; price limited to the conforming loan limit", "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_min_score", "region": "AR", "value": "640", "unit": "score", "label": "ADFA minimum credit score (StartSmart and Move-Up)", "source_name": "Arkansas Development Finance Authority: StartSmart First-Time Home Buyer Program", "source_url": "https://adfa.arkansas.gov/programs/homeloans/startsmart-first-time-home-buyer-program/", "as_of": "2026-07-28", "period": null, "note": null, "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_price_limit", "region": "AR", "value": "500000", "unit": "usd", "label": "ADFA StartSmart purchase price limit", "source_name": "Arkansas Development Finance Authority: StartSmart First-Time Home Buyer Program", "source_url": "https://adfa.arkansas.gov/programs/homeloans/startsmart-first-time-home-buyer-program/", "as_of": "2026-07-28", "period": null, "note": null, "updated_at": "2026-10-29 07:51:01" }, { "key": "homestead_credit", "region": "AR", "value": "600", "unit": "usd", "label": "Arkansas homestead property tax credit, up to (per year)", "source_name": "Arkansas DFA Assessment Coordination Division: Property Tax Relief", "source_url": "https://www.dfa.arkansas.gov/office/arkansas-assessment-coordination-division/real-property/property-tax-relief/", "as_of": "2025-12-03", "period": "2026 tax bills", "note": "Raised from $500 starting with 2026 tax bills", "updated_at": "2026-10-29 07:51:01" }, { "key": "transfer_tax_rate", "region": "AR", "value": "0.33", "unit": "pct", "label": "State real estate transfer tax", "source_name": "Arkansas Department of Finance and Administration", "source_url": "https://www.dfa.arkansas.gov/office/taxes/excise-tax-administration/miscellaneous-tax/arkansas-miscellaneous-tax-laws/real-property-transfer/", "as_of": "2026-10-08", "period": null, "note": "$3.30 per $1,000 of consideration", "updated_at": "2026-10-28 21:47:44" }, { "key": "acs_median_income", "region": "AZ", "value": "81486", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US04", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±684", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "AZ", "value": "1672", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US04", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±19", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "AZ", "value": "1828", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US04", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±17", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "AZ", "value": "426000", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US04", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±2728", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "AZ", "value": "1994", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US04", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "AZ", "value": "1893", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US04", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±18", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "AZ", "value": "67.8", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US04", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "AZ", "value": "0.43", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US04", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "assessment_increase_cap", "region": "AZ", "value": "5", "unit": "pct", "label": "Arizona: most a property’s limited (taxable) value can rise in a year", "source_name": "Arizona Constitution, Article 9, Section 18", "source_url": "https://www.azleg.gov/viewDocument/?docName=https%3A%2F%2Fwww.azleg.gov%2Fconst%2F9%2F18.htm", "as_of": "2026-10-29", "period": null, "note": "Section 18(3)(b), taxes levied from 2015; never above full cash value", "updated_at": "2026-10-29 07:51:01" }, { "key": "hbe_hours", "region": "AZ", "value": "8", "unit": "count", "label": "Hours of homebuyer education required for Arizona Is Home assistance", "source_name": "Arizona Department of Housing: Programs for Homebuyers", "source_url": "https://housing.az.gov/general-public/programs-homebuyers", "as_of": "2026-10-29", "period": null, "note": "Plus a one-on-one meeting with a HUD-certified advisor; checked Oct 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_dpa_max", "region": "AZ", "value": "30000", "unit": "usd", "label": "Arizona Is Home down payment assistance (ADOH), buyers at or below 80% of area median income, up to", "source_name": "Arizona Department of Housing: Programs for Homebuyers", "source_url": "https://housing.az.gov/general-public/programs-homebuyers", "as_of": "2026-10-29", "period": null, "note": "Silent second mortgage due on sale; checked Oct 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_dpa_max_moderate", "region": "AZ", "value": "20000", "unit": "usd", "label": "Arizona Is Home down payment assistance, buyers at 81–120% of area median income, up to", "source_name": "Arizona Department of Housing: Programs for Homebuyers", "source_url": "https://housing.az.gov/general-public/programs-homebuyers", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_dpa_max_pct", "region": "AZ", "value": "4", "unit": "pct", "label": "HOME Plus (Arizona IDA) down payment and closing cost assistance, up to", "source_name": "Arizona Industrial Development Authority: HOME Plus", "source_url": "https://homeplusaz.com/", "as_of": "2026-10-29", "period": null, "note": "Available year-round; checked Oct 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_fthb_years", "region": "AZ", "value": "3", "unit": "years", "label": "Arizona Is Home: a first-time buyer has not owned real estate in the past", "source_name": "Arizona Department of Housing: Programs for Homebuyers", "source_url": "https://housing.az.gov/general-public/programs-homebuyers", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_income_limit_pct", "region": "AZ", "value": "120", "unit": "pct", "label": "Arizona Is Home income limit (share of area median income)", "source_name": "Arizona Department of Housing: Programs for Homebuyers", "source_url": "https://housing.az.gov/general-public/programs-homebuyers", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_income_tier_pct", "region": "AZ", "value": "80", "unit": "pct", "label": "Arizona Is Home: the larger award goes to buyers at or below this share of area median income", "source_name": "Arizona Department of Housing: Programs for Homebuyers", "source_url": "https://housing.az.gov/general-public/programs-homebuyers", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "prop_tax_rate_cap", "region": "AZ", "value": "1", "unit": "pct", "label": "Arizona constitutional cap on residential property taxes (share of limited value)", "source_name": "Arizona Constitution, Article 9, Section 18", "source_url": "https://www.azleg.gov/viewDocument/?docName=https%3A%2F%2Fwww.azleg.gov%2Fconst%2F9%2F18.htm", "as_of": "2026-10-29", "period": null, "note": "Section 18(1); checked Oct 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "transfer_tax_rate", "region": "AZ", "value": "0", "unit": "pct", "label": "State real estate transfer tax", "source_name": "Arizona Constitution, Art. IX §24", "source_url": "https://www.azleg.gov/viewDocument/?docName=http://www.azleg.gov/const/9/24.htm", "as_of": "2026-10-28", "period": null, "note": "The constitution bars new real estate transfer taxes", "updated_at": "2026-10-28 21:47:44" }, { "key": "acs_median_income", "region": "CA", "value": "100149", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US06", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±381", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "CA", "value": "2104", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US06", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±9", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "CA", "value": "5369", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US06", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±34", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "CA", "value": "759500", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US06", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±3644", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "CA", "value": "1977", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US06", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "CA", "value": "3001", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US06", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±13", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "CA", "value": "55.8", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US06", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "CA", "value": "0.71", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US06", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "assessment_increase_cap", "region": "CA", "value": "2", "unit": "pct", "label": "Proposition 13: most a property’s base-year value can rise in a year", "source_name": "California State Board of Equalization: California Property Tax, An Overview (Publication 29)", "source_url": "https://www.boe.ca.gov/proptaxes/pdf/pub29.pdf", "as_of": "2025-03-01", "period": null, "note": "Reassessed on a change in ownership or completed new construction", "updated_at": "2026-10-29 07:51:01" }, { "key": "fair_plan_limit", "region": "CA", "value": "3000000", "unit": "usd", "label": "California FAIR Plan residential coverage limit per location", "source_name": "California Department of Insurance: California FAIR Plan", "source_url": "https://www.insurance.ca.gov/01-consumers/200-wrr/California-FAIR-Plan.cfm", "as_of": "2026-10-29", "period": null, "note": "Limited fire policy; other perils need a separate difference-in-conditions policy; checked Oct 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_dpa_max_pct", "region": "CA", "value": "3.5", "unit": "pct", "label": "CalHFA MyHome Assistance with an FHA loan, up to (share of price or appraised value)", "source_name": "CalHFA: MyHome Assistance Program", "source_url": "https://www.calhfa.ca.gov/homebuyer/programs/myhome.htm", "as_of": "2026-10-29", "period": null, "note": "Deferred-payment junior loan; checked Oct 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_dpa_max_pct_conv", "region": "CA", "value": "3", "unit": "pct", "label": "CalHFA MyHome Assistance with a conventional loan, up to (share of price or appraised value)", "source_name": "CalHFA: MyHome Assistance Program", "source_url": "https://www.calhfa.ca.gov/homebuyer/programs/myhome.htm", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_shared_appr_max", "region": "CA", "value": "150000", "unit": "usd", "label": "CalHFA Dream For All shared appreciation loan, capped at", "source_name": "CalHFA: Dream For All", "source_url": "https://www.calhfa.ca.gov/dream/index.htm", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_shared_appr_max_pct", "region": "CA", "value": "20", "unit": "pct", "label": "CalHFA Dream For All shared appreciation loan, up to (share of price)", "source_name": "CalHFA: Dream For All", "source_url": "https://www.calhfa.ca.gov/dream/index.htm", "as_of": "2026-10-29", "period": null, "note": "Not to exceed $150,000; awarded by drawing in rounds; application period closed March 16, 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "homestead_exemption", "region": "CA", "value": "7000", "unit": "usd", "label": "California homeowners’ exemption (assessed value)", "source_name": "California State Board of Equalization: Homeowners’ Exemption (Publication 800-6)", "source_url": "https://boe.ca.gov/pdf/pub800-6.pdf", "as_of": "2023-06-01", "period": null, "note": "Generally about $70 a year in tax savings; file by February 15 for the full exemption", "updated_at": "2026-10-29 07:51:01" }, { "key": "prop_tax_rate_cap", "region": "CA", "value": "1", "unit": "pct", "label": "Proposition 13: general property tax rate (before voter-approved debt)", "source_name": "California State Board of Equalization: California Property Tax, An Overview (Publication 29)", "source_url": "https://www.boe.ca.gov/proptaxes/pdf/pub29.pdf", "as_of": "2025-03-01", "period": null, "note": "Plus amounts for voter-approved general obligation bonds", "updated_at": "2026-10-29 07:51:01" }, { "key": "transfer_tax_rate", "region": "CA", "value": "0", "unit": "pct", "label": "State real estate transfer tax", "source_name": "California Revenue and Taxation Code §11911", "source_url": "https://law.justia.com/codes/california/2009/rtc/11911-11913.html/", "as_of": "2026-10-28", "period": null, "note": "No state tax; counties may charge $0.55 per $500 (0.11%) and cities half that", "updated_at": "2026-10-28 21:47:44" }, { "key": "acs_median_income", "region": "CO", "value": "97113", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US08", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±1081", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "CO", "value": "1822", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US08", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±15", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "CO", "value": "2828", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US08", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±25", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "CO", "value": "574600", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US08", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±3773", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "CO", "value": "1989", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US08", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "CO", "value": "2466", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US08", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±22", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "CO", "value": "65.9", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US08", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "CO", "value": "0.49", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US08", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "hfa_dpa_max", "region": "CO", "value": "25000", "unit": "usd", "label": "CHFA down payment assistance grant or second mortgage, capped at", "source_name": "CHFA: Down Payment Assistance", "source_url": "https://www.chfainfo.com/homeownership/down-payment-assistance", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_dpa_max_pct", "region": "CO", "value": "3", "unit": "pct", "label": "CHFA Down Payment Assistance Grant, up to (share of the first mortgage)", "source_name": "CHFA: Down Payment Assistance", "source_url": "https://www.chfainfo.com/homeownership/down-payment-assistance", "as_of": "2026-10-29", "period": null, "note": "Lesser of $25,000 or 3% of the first mortgage; no repayment; checked Oct 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_dpa_second_pct", "region": "CO", "value": "4", "unit": "pct", "label": "CHFA second mortgage loan, up to (share of the first mortgage)", "source_name": "CHFA: Down Payment Assistance", "source_url": "https://www.chfainfo.com/homeownership/down-payment-assistance", "as_of": "2026-10-29", "period": null, "note": "Lesser of $25,000 or 4%; repayment deferred until payoff, sale, refinance or move-out; checked Oct 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "senior_exemption_cap", "region": "CO", "value": "200000", "unit": "usd", "label": "Colorado senior property tax exemption applies to the first (actual value)", "source_name": "Colorado Division of Property Taxation: Senior Property Tax Exemption", "source_url": "https://dpt.colorado.gov/senior-property-tax-exemption", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "senior_exemption_pct", "region": "CO", "value": "50", "unit": "pct", "label": "Colorado senior property tax exemption: share of the first $200,000 of actual value exempt", "source_name": "Colorado Division of Property Taxation: Senior Property Tax Exemption", "source_url": "https://dpt.colorado.gov/senior-property-tax-exemption", "as_of": "2026-10-29", "period": null, "note": "Age 65+, owned and occupied 10 consecutive years; apply by July 15; checked Oct 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "senior_exemption_years", "region": "CO", "value": "10", "unit": "years", "label": "Colorado senior exemption: years the owner must have owned and lived in the home", "source_name": "Colorado Division of Property Taxation: Senior Property Tax Exemption", "source_url": "https://dpt.colorado.gov/senior-property-tax-exemption", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "transfer_tax_rate", "region": "CO", "value": "0.01", "unit": "pct", "label": "State real estate transfer tax", "source_name": "C.R.S. 39-13-102", "source_url": "https://colorado.public.law/statutes/crs_39-13-102", "as_of": "2026-10-28", "period": null, "note": "Documentary fee of 1 cent per $100 when the price exceeds $500", "updated_at": "2026-10-28 21:47:44" }, { "key": "acs_median_income", "region": "CT", "value": "96049", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US09", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±1824", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "CT", "value": "1550", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US09", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±24", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "CT", "value": "6573", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US09", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±47", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "CT", "value": "396900", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US09", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±3745", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "CT", "value": "1967", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US09", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "CT", "value": "2454", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US09", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±23", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "CT", "value": "66.7", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US09", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "CT", "value": "1.66", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US09", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "foundation_repair_loan_max", "region": "CT", "value": "75000", "unit": "usd", "label": "CHFA Supplemental Collapsing Foundation Loan, up to", "source_name": "Connecticut Housing Finance Authority: Supplemental Collapsing Foundation Loan Program", "source_url": "https://www.chfa.org/homebuyers/supplemental-collapsing-foundations/", "as_of": "2026-10-29", "period": null, "note": "For owners approved by CFSIC; terms up to 20 years; checked Oct 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_dpa_forgive_years", "region": "CT", "value": "10", "unit": "years", "label": "CHFA Time To Own: fully forgiven after (10% a year)", "source_name": "Connecticut Housing Finance Authority: Time To Own", "source_url": "https://www.chfa.org/TimeToOwn", "as_of": "2026-10-26", "period": null, "note": null, "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_dpa_max", "region": "CT", "value": "25000", "unit": "usd", "label": "CHFA Time To Own forgivable down payment assistance, up to", "source_name": "Connecticut Housing Finance Authority: Time To Own", "source_url": "https://www.chfa.org/TimeToOwn", "as_of": "2026-10-26", "period": null, "note": "0% loan, no monthly payment; funds available for reservations as of Oct 26, 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "transfer_tax_rate", "region": "CT", "value": "1", "unit": "pct", "label": "State real estate transfer tax", "source_name": "Connecticut Department of Revenue Services", "source_url": "https://portal.ct.gov/DRS/Legislative-Summaries/2019-Legislative-Updates/Real-Estate-Conveyance-Tax-Change", "as_of": "2020-07-09", "period": null, "note": "State 0.75% up to $800,000, 1.25% to $2.5 million, 2.25% above, plus 0.25% municipal tax; paid by the seller", "updated_at": "2026-10-28 21:47:44" }, { "key": "acs_median_income", "region": "DC", "value": "109707", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US11", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±4149", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "DC", "value": "1931", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US11", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±43", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "DC", "value": "4594", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US11", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±245", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "DC", "value": "733400", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US11", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±25632", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "DC", "value": "1960", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US11", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±2", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "DC", "value": "3181", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US11", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±130", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "DC", "value": "40.9", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US11", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "DC", "value": "0.63", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US11", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "assessment_increase_cap", "region": "DC", "value": "10", "unit": "pct", "label": "DC assessment cap: most a home’s taxable assessment can rise in a year", "source_name": "DC Office of Tax and Revenue: Real Property Tax Reliefs, Credits, and Deductions", "source_url": "https://otr.cfo.dc.gov/page/real-property-tax-reliefs-credits-and-deductions", "as_of": "2026-10-29", "period": null, "note": "For eligible homeowners; checked Oct 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "fthb_recordation_price_cap", "region": "DC", "value": "777000", "unit": "usd", "label": "Price ceiling for DC’s reduced first-time homebuyer recordation rate, tax year 2026", "source_name": "DC Office of Tax and Revenue: Notice of Oct. 1, 2025 Tax Changes", "source_url": "https://otr.cfo.dc.gov/release/notice-oct-1-2025-tax-changes", "as_of": "2025-10-01", "period": "Tax year 2026", "note": "Raised from $753,000", "updated_at": "2026-10-29 07:51:01" }, { "key": "fthb_recordation_rate", "region": "DC", "value": "0.725", "unit": "pct", "label": "DC reduced recordation tax rate for first-time DC homebuyers (houses and condos)", "source_name": "DC Office of Tax and Revenue: Form ROD 11, Reduced Recordation Tax Rate for First-Time Homebuyers (FY2026)", "source_url": "https://otr.cfo.dc.gov/sites/default/files/dc/sites/otr/publication/attachments/ROD%2011%20-%20Reduced%20Recordation%20Tax%20Rate%20for%20First-Time%20Homebuyers%20FY2026.pdf", "as_of": "2026-10-29", "period": null, "note": "Household income and purchase price limits apply; checked Oct 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_closing_max", "region": "DC", "value": "4000", "unit": "usd", "label": "HPAP closing cost assistance, up to", "source_name": "DC Department of Housing and Community Development: Home Purchase Assistance Program", "source_url": "https://dhcd.dc.gov/service/home-purchase-assistance-program", "as_of": "2026-10-29", "period": "FY2027", "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_dpa_max", "region": "DC", "value": "202000", "unit": "usd", "label": "DC Home Purchase Assistance Program (HPAP) gap financing, up to", "source_name": "DC Department of Housing and Community Development: Home Purchase Assistance Program", "source_url": "https://dhcd.dc.gov/service/home-purchase-assistance-program", "as_of": "2026-10-29", "period": "FY2027", "note": "Plus up to $4,000 for closing costs; first-come, first-served; checked Oct 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_income_limit", "region": "DC", "value": "275400", "unit": "usd", "label": "DCHFA DC Open Doors income limit", "source_name": "DC Housing Finance Agency: DC Open Doors", "source_url": "https://dchfa.org/homeownership/dc-open-doors/", "as_of": "2025-12-04", "period": null, "note": "Borrower income only; open to first-time and repeat buyers", "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_income_limit_pct", "region": "DC", "value": "110", "unit": "pct", "label": "HPAP income limit (share of median family income)", "source_name": "DC Department of Housing and Community Development: Home Purchase Assistance Program", "source_url": "https://dhcd.dc.gov/service/home-purchase-assistance-program", "as_of": "2026-10-29", "period": "FY2027", "note": "Below 80%: deferred until sale or refinance; 80–110%: deferred five years, then principal-only repayment; checked Oct 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_min_score", "region": "DC", "value": "640", "unit": "score", "label": "DCHFA DC Open Doors minimum credit score", "source_name": "DC Housing Finance Agency: DC Open Doors", "source_url": "https://dchfa.org/homeownership/dc-open-doors/", "as_of": "2025-12-04", "period": null, "note": null, "updated_at": "2026-10-29 07:51:01" }, { "key": "homestead_exemption", "region": "DC", "value": "91950", "unit": "usd", "label": "DC homestead deduction (reduction in assessed value), tax year 2026", "source_name": "DC Office of Tax and Revenue: Real Property Tax Reliefs, Credits, and Deductions", "source_url": "https://otr.cfo.dc.gov/page/real-property-tax-reliefs-credits-and-deductions", "as_of": "2026-10-29", "period": "Tax year 2026", "note": "Saves $781.58 a year; checked Oct 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "homestead_savings", "region": "DC", "value": "781.58", "unit": "usd_year", "label": "Annual tax saving from the DC homestead deduction, tax year 2026", "source_name": "DC Office of Tax and Revenue: Real Property Tax Reliefs, Credits, and Deductions", "source_url": "https://otr.cfo.dc.gov/page/real-property-tax-reliefs-credits-and-deductions", "as_of": "2026-10-29", "period": "Tax year 2026", "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "transfer_tax_rate", "region": "DC", "value": "2.2", "unit": "pct", "label": "District real estate transfer tax", "source_name": "DC Office of the Chief Financial Officer", "source_url": "https://cfo.dc.gov/page/tax-rates-and-revenues-property-taxes", "as_of": "2026-10-28", "period": null, "note": "Recordation 1.1% plus transfer 1.1%; residential sales of $400,000 or more pay 1.45% each (2.9%)", "updated_at": "2026-10-28 21:47:44" }, { "key": "acs_median_income", "region": "DE", "value": "87534", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US10", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±2747", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "DE", "value": "1530", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US10", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±47", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "DE", "value": "1750", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US10", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±40", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "DE", "value": "371600", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US10", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±4972", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "DE", "value": "1988", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US10", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±2", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "DE", "value": "1821", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US10", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±41", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "DE", "value": "73.8", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US10", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "DE", "value": "0.47", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US10", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "fthb_transfer_tax_cut", "region": "DE", "value": "0.5", "unit": "pct", "label": "Delaware first-time buyer cut in the buyer’s share of the state realty transfer tax (share of the price)", "source_name": "Delaware Division of Revenue: First-Time Home Buyer Tax Credit", "source_url": "https://revenue.delaware.gov/first-time-home-buyer-tax-credit/", "as_of": "2026-10-29", "period": null, "note": "Applies to the first $400,000 of value; checked Oct 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "fthb_transfer_tax_cut_max", "region": "DE", "value": "2000", "unit": "usd", "label": "Delaware first-time buyer transfer tax reduction, capped at", "source_name": "Delaware Division of Revenue: First-Time Home Buyer Tax Credit", "source_url": "https://revenue.delaware.gov/first-time-home-buyer-tax-credit/", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_counsel_score", "region": "DE", "value": "659", "unit": "score", "label": "DSHA: borrowers at or below this credit score must complete housing counseling", "source_name": "Delaware State Housing Authority: Homeownership Loans", "source_url": "https://www.destatehousing.com/homeownership-loans/", "as_of": "2026-09-23", "period": null, "note": null, "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_dpa_max_pct", "region": "DE", "value": "5", "unit": "pct", "label": "DSHA Take5 0% second mortgage (share of the first mortgage)", "source_name": "Delaware State Housing Authority: Homeownership Loans", "source_url": "https://www.destatehousing.com/homeownership-loans/", "as_of": "2026-09-23", "period": null, "note": "Welcome Home only; First State 3% and Keys4You 4% also available; repayment deferred", "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_dpa_pct_tier1", "region": "DE", "value": "3", "unit": "pct", "label": "DSHA First State 0% second mortgage (share of the first mortgage)", "source_name": "Delaware State Housing Authority: Homeownership Loans", "source_url": "https://www.destatehousing.com/homeownership-loans/", "as_of": "2026-09-23", "period": null, "note": "With Welcome Home or Open Door; repayment deferred", "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_dpa_pct_tier2", "region": "DE", "value": "4", "unit": "pct", "label": "DSHA Keys4You 0% second mortgage (share of the first mortgage)", "source_name": "Delaware State Housing Authority: Homeownership Loans", "source_url": "https://www.destatehousing.com/homeownership-loans/", "as_of": "2026-09-23", "period": null, "note": "With Welcome Home or Open Door; repayment deferred", "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_income_limit", "region": "DE", "value": "122700", "unit": "usd", "label": "DSHA Welcome Home income limit, New Castle County, 1–2 persons", "source_name": "Delaware State Housing Authority: Homeownership Loans", "source_url": "https://www.destatehousing.com/homeownership-loans/", "as_of": "2026-09-23", "period": null, "note": "$111,400 in Kent and Sussex; higher in targeted areas", "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_income_limit_repeat", "region": "DE", "value": "147240", "unit": "usd", "label": "DSHA Open Door income limit, New Castle County, 1–2 persons", "source_name": "Delaware State Housing Authority: Homeownership Loans", "source_url": "https://www.destatehousing.com/homeownership-loans/", "as_of": "2026-09-23", "period": null, "note": "$133,680 in Kent and Sussex", "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_min_score", "region": "DE", "value": "620", "unit": "score", "label": "DSHA Welcome Home and Open Door minimum credit score", "source_name": "Delaware State Housing Authority: Homeownership Loans", "source_url": "https://www.destatehousing.com/homeownership-loans/", "as_of": "2026-09-23", "period": null, "note": "Scores of 659 or below require housing counseling", "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_price_limit", "region": "DE", "value": "659385", "unit": "usd", "label": "DSHA purchase price limit, New Castle County (single-family, non-targeted)", "source_name": "Delaware State Housing Authority: Homeownership Loans", "source_url": "https://www.destatehousing.com/homeownership-loans/", "as_of": "2026-09-23", "period": null, "note": "$566,354 in Kent and Sussex; higher in targeted areas", "updated_at": "2026-10-29 07:51:01" }, { "key": "transfer_tax_rate", "region": "DE", "value": "2.5", "unit": "pct", "label": "State real estate transfer tax", "source_name": "Delaware Division of Revenue", "source_url": "https://revenue.delaware.gov/first-time-home-buyer-tax-credit/", "as_of": "2024-04-16", "period": null, "note": "2.5% where a local tax applies (3% where none); local tax up to 1.5%; typically split by buyer and seller", "updated_at": "2026-10-28 21:47:44" }, { "key": "transfer_tax_rate_nolocal", "region": "DE", "value": "3", "unit": "pct", "label": "Delaware state realty transfer tax where no local transfer tax applies", "source_name": "Delaware Division of Revenue: First-Time Home Buyer Tax Credit", "source_url": "https://revenue.delaware.gov/first-time-home-buyer-tax-credit/", "as_of": "2026-10-29", "period": null, "note": "2.5% where a county or municipal tax also applies; checked Oct 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "acs_median_income", "region": "FL", "value": "77735", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US12", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±564", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "FL", "value": "1812", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US12", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±9", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "FL", "value": "2993", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US12", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±20", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "FL", "value": "396900", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US12", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±1617", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "FL", "value": "1990", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US12", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "FL", "value": "2168", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US12", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±12", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "FL", "value": "68", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US12", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "FL", "value": "0.75", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US12", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "assessment_increase_cap", "region": "FL", "value": "3", "unit": "pct", "label": "Save Our Homes: most a homestead’s assessed value can rise in a year (or the CPI change, if lower)", "source_name": "Florida Department of Revenue: Save Our Homes Assessment Limitation and Portability (PT-112)", "source_url": "https://www.floridarevenue.com/property/Documents/pt112.pdf", "as_of": "2024-08-01", "period": null, "note": "Applies after the first year of homestead", "updated_at": "2026-10-29 07:51:01" }, { "key": "citizens_offer_pct", "region": "FL", "value": "20", "unit": "pct", "label": "Citizens Property Insurance: a homeowner is generally ineligible if a private offer is no more than this much above Citizens’ premium", "source_name": "Citizens Property Insurance Corporation: Clearinghouse", "source_url": "https://www.citizensfla.com/clearinghouse", "as_of": "2026-10-29", "period": null, "note": "Required by s. 627.3518, Florida Statutes; checked Oct 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "heroes_dpa_max", "region": "FL", "value": "35000", "unit": "usd", "label": "Florida Hometown Heroes assistance, capped at", "source_name": "Florida Housing Finance Corporation: Hometown Heroes", "source_url": "https://www.floridahousing.org/hometown-heroes", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "heroes_dpa_pct", "region": "FL", "value": "5", "unit": "pct", "label": "Florida Hometown Heroes assistance, up to (share of the first mortgage)", "source_name": "Florida Housing Finance Corporation: Hometown Heroes", "source_url": "https://www.floridahousing.org/hometown-heroes", "as_of": "2026-10-29", "period": null, "note": "Minimum $10,000, maximum $35,000; 0% deferred 30-year second, not forgivable; checked Oct 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_dpa_forgive_years", "region": "FL", "value": "5", "unit": "years", "label": "Florida Housing HFA PLUS second mortgage forgiven over (20% a year)", "source_name": "Florida Housing Finance Corporation: Homebuyer Loan Programs", "source_url": "https://www.floridahousing.org/programs/homebuyer-loan-program-wizards", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_dpa_max", "region": "FL", "value": "10000", "unit": "usd", "label": "Florida Assist (Florida Housing) deferred second mortgage, up to", "source_name": "Florida Housing Finance Corporation: Homebuyer Loan Programs", "source_url": "https://www.floridahousing.org/programs/homebuyer-loan-program-wizards", "as_of": "2026-10-29", "period": null, "note": "0%, non-amortizing, not forgivable; checked Oct 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_dpa_max_pct", "region": "FL", "value": "5", "unit": "pct", "label": "Florida Housing HFA Preferred/Advantage PLUS second mortgage, up to (share of the loan)", "source_name": "Florida Housing Finance Corporation: Homebuyer Loan Programs", "source_url": "https://www.floridahousing.org/programs/homebuyer-loan-program-wizards", "as_of": "2026-10-29", "period": null, "note": "3%, 4% or 5% of the total loan amount; conventional first mortgages only; checked Oct 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_fthb_years", "region": "FL", "value": "3", "unit": "years", "label": "Florida Housing: no owned-and-occupied primary residence in the past", "source_name": "Florida Housing Finance Corporation: Homebuyer Loan Programs", "source_url": "https://www.floridahousing.org/programs/homebuyer-loan-program-wizards", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "hfa_min_score", "region": "FL", "value": "640", "unit": "score", "label": "Florida Housing homebuyer programs minimum credit score", "source_name": "Florida Housing Finance Corporation: Homebuyer Loan Programs", "source_url": "https://www.floridahousing.org/programs/homebuyer-loan-program-wizards", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:51:01" }, { "key": "homestead_exemption", "region": "FL", "value": "50000", "unit": "usd", "label": "Florida homestead exemption, up to", "source_name": "Florida Department of Revenue: Homestead Exemption (PT-113)", "source_url": "https://www.floridarevenue.com/property/Documents/pt113.pdf", "as_of": "2025-08-01", "period": null, "note": "First $25,000 applies to all taxes including school taxes; the additional exemption applies to assessed value over $50,000, non-school taxes only, and is adjusted for inflation", "updated_at": "2026-10-29 07:51:01" }, { "key": "mortgage_tax_rate", "region": "FL", "value": "0.55", "unit": "pct", "label": "State tax on recording a mortgage", "source_name": "Florida Statutes 199.133; Florida DOR GT-800014", "source_url": "https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0100-0199/0199/Sections/0199.133.html", "as_of": "2026-10-28", "period": null, "note": "Documentary stamp tax $0.35 per $100 on the note plus 0.2% nonrecurring intangible tax", "updated_at": "2026-10-28 21:47:44" }, { "key": "transfer_tax_rate", "region": "FL", "value": "0.7", "unit": "pct", "label": "State real estate transfer tax", "source_name": "Florida Department of Revenue", "source_url": "https://floridarevenue.com/Forms_library/current/gt800014.pdf", "as_of": "2017-12-01", "period": null, "note": "Documentary stamp tax $0.70 per $100 ($0.60 on single-family homes in Miami-Dade)", "updated_at": "2026-10-28 21:47:44" }, { "key": "acs_median_income", "region": "GA", "value": "79991", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US13", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±633", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "GA", "value": "1506", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US13", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±18", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "GA", "value": "2554", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US13", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±26", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "GA", "value": "343300", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US13", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±2287", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "GA", "value": "1993", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US13", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "GA", "value": "1909", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US13", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±15", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "GA", "value": "66.3", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US13", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "GA", "value": "0.74", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US13", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "assessment_ratio", "region": "GA", "value": "40", "unit": "pct", "label": "Georgia assessed value as a share of fair market value", "source_name": "Georgia Department of Revenue: Property Tax Homestead Exemptions", "source_url": "https://dor.georgia.gov/property-tax-homestead-exemptions", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:58:59" }, { "key": "hfa_dpa_max", "region": "GA", "value": "10000", "unit": "usd", "label": "Georgia Dream down payment assistance (standard), up to", "source_name": "Georgia DCA: Georgia Dream", "source_url": "https://dca.georgia.gov/affordable-housing/home-ownership/georgia-dream-mortgage-products/georgia-dream", "as_of": "2026-07-08", "period": null, "note": "5% of the purchase price or $10,000, whichever is less; effective July 8, 2026", "updated_at": "2026-10-29 07:58:59" }, { "key": "hfa_dpa_max_pct", "region": "GA", "value": "5", "unit": "pct", "label": "Georgia Dream standard assistance, up to (share of the purchase price)", "source_name": "Georgia DCA: Georgia Dream", "source_url": "https://dca.georgia.gov/affordable-housing/home-ownership/georgia-dream-mortgage-products/georgia-dream", "as_of": "2026-07-08", "period": null, "note": "Capped at $10,000; effective July 8, 2026", "updated_at": "2026-10-29 07:58:59" }, { "key": "hfa_dpa_max_special", "region": "GA", "value": "12500", "unit": "usd", "label": "Georgia Dream PEN and Choice assistance (protectors, educators, nurses and healthcare workers, active military, or a household member with a disability), up to", "source_name": "Georgia DCA: Georgia Dream", "source_url": "https://dca.georgia.gov/affordable-housing/home-ownership/georgia-dream-mortgage-products/georgia-dream", "as_of": "2026-07-08", "period": null, "note": "6% of the purchase price or $12,500, whichever is less; effective July 8, 2026", "updated_at": "2026-10-29 07:58:59" }, { "key": "hfa_ftb_years", "region": "GA", "value": "3", "unit": "years", "label": "Georgia Dream first-time buyer: no ownership interest in a primary residence in the last", "source_name": "Georgia DCA: Georgia Dream", "source_url": "https://dca.georgia.gov/affordable-housing/home-ownership/georgia-dream-mortgage-products/georgia-dream", "as_of": "2026-07-08", "period": null, "note": "Buyers in certain areas are exempt", "updated_at": "2026-10-29 07:58:59" }, { "key": "hfa_income_limit", "region": "GA", "value": "137555", "unit": "usd", "label": "Georgia Dream income limit, Atlanta metro, 1–2 person household", "source_name": "Georgia DCA: Georgia Dream", "source_url": "https://dca.georgia.gov/affordable-housing/home-ownership/georgia-dream-mortgage-products/georgia-dream", "as_of": "2026-07-08", "period": null, "note": "$158,188 for 3 or more persons; lower outside the Atlanta metro", "updated_at": "2026-10-29 07:58:59" }, { "key": "hfa_price_limit", "region": "GA", "value": "625000", "unit": "usd", "label": "Georgia Dream purchase price limit, Atlanta metro counties", "source_name": "Georgia DCA: Georgia Dream", "source_url": "https://dca.georgia.gov/affordable-housing/home-ownership/georgia-dream-mortgage-products/georgia-dream", "as_of": "2026-07-08", "period": null, "note": "$525,000 in the Athens metro; $475,000 in all other counties", "updated_at": "2026-10-29 07:58:59" }, { "key": "hfa_price_limit_other", "region": "GA", "value": "475000", "unit": "usd", "label": "Georgia Dream purchase price limit, counties outside the Atlanta and Athens metros", "source_name": "Georgia DCA: Georgia Dream", "source_url": "https://dca.georgia.gov/affordable-housing/home-ownership/georgia-dream-mortgage-products/georgia-dream", "as_of": "2026-07-08", "period": null, "note": null, "updated_at": "2026-10-29 07:58:59" }, { "key": "homestead_exemption", "region": "GA", "value": "2000", "unit": "usd", "label": "Georgia standard homestead exemption (assessed value, county and school taxes)", "source_name": "Georgia Department of Revenue: Property Tax Homestead Exemptions", "source_url": "https://dor.georgia.gov/property-tax-homestead-exemptions", "as_of": "2026-10-29", "period": null, "note": "Deducted from assessed value (40% of fair market value); file by April 1; checked Oct 2026", "updated_at": "2026-10-29 07:58:59" }, { "key": "homestead_grant_assessed", "region": "GA", "value": "18000", "unit": "usd", "label": "Georgia 2026 Homeowner Tax Relief Grant: reduction in a homestead’s assessed value", "source_name": "Georgia Department of Revenue: 2026 Property Tax Relief Grant", "source_url": "https://dor.georgia.gov/2026-property-tax-relief-grant", "as_of": "2026-05-12", "period": null, "note": "One-time grant under HB 439 (signed May 12, 2026), applied as a reduction on the 2026 tax bill for homesteads filed by April 1", "updated_at": "2026-10-29 07:58:59" }, { "key": "mortgage_tax_rate", "region": "GA", "value": "0.3", "unit": "pct", "label": "State tax on recording a mortgage", "source_name": "Georgia Department of Revenue", "source_url": "https://dor.georgia.gov/intangible-recording-tax", "as_of": "2026-10-28", "period": null, "note": "Intangible recording tax $1.50 per $500 of a long-term note, capped at $25,000", "updated_at": "2026-10-28 21:47:44" }, { "key": "transfer_tax_rate", "region": "GA", "value": "0.1", "unit": "pct", "label": "State real estate transfer tax", "source_name": "Georgia Department of Revenue", "source_url": "https://dor.georgia.gov/real-estate-transfer-tax", "as_of": "2026-10-28", "period": null, "note": "$1 for the first $1,000 and $0.10 per $100 after", "updated_at": "2026-10-28 21:47:44" }, { "key": "acs_median_income", "region": "HI", "value": "100745", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US15", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±1760", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "HI", "value": "1942", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US15", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±36", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "HI", "value": "2385", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US15", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±58", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "HI", "value": "875900", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US15", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±14013", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "HI", "value": "1981", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US15", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "HI", "value": "2937", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US15", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±51", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "HI", "value": "61.6", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US15", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "HI", "value": "0.27", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US15", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "conforming_limit_baseline", "region": "HI", "value": "1249125", "unit": "usd", "label": "2026 conforming loan limit in Hawaii, Honolulu and Kauai counties (one-unit)", "source_name": "FHFA: 2026 conforming loan limits by county", "source_url": "https://www.fhfa.gov/document/d/cll/fullcountyloanlimitlist2026_hera-based_final_flat.pdf", "as_of": "2025-11-25", "period": "2026 limit", "note": "Special statutory baseline for Alaska, Hawaii, Guam and the US Virgin Islands", "updated_at": "2026-10-29 07:58:59" }, { "key": "conforming_limit_county_max", "region": "HI", "value": "1299500", "unit": "usd", "label": "2026 conforming loan limit in Maui and Kalawao counties (one-unit)", "source_name": "FHFA: 2026 conforming loan limits by county", "source_url": "https://www.fhfa.gov/document/d/cll/fullcountyloanlimitlist2026_hera-based_final_flat.pdf", "as_of": "2025-11-25", "period": "2026 limit", "note": "Highest one-unit limit in Hawaii", "updated_at": "2026-10-29 07:58:59" }, { "key": "fha_limit_ceiling", "region": "HI", "value": "1873625", "unit": "usd", "label": "2026 FHA one-unit limit ceiling in Hawaii (special exception area)", "source_name": "HUD Mortgagee Letter 2025-23: 2026 Nationwide Forward Mortgage Loan Limits", "source_url": "https://www.hud.gov/sites/dfiles/hudclips/documents/2025-23hsgml.pdf", "as_of": "2025-12-11", "period": "2026 limit", "note": "Case numbers assigned on or after January 1, 2026; county limits are set by HUD up to this ceiling", "updated_at": "2026-10-29 07:58:59" }, { "key": "hfa_ftb_years", "region": "HI", "value": "3", "unit": "years", "label": "Hale Kamaʻāina first-time buyer: no interest in a principal residence in the past", "source_name": "HHFDC: Hale Kamaʻāina eligibility, income and purchase price requirements", "source_url": "https://dbedt.hawaii.gov/hhfdc/hale-kama%ca%bbaina-mortgage-program-eligibility-income-and-purchase-price-requirements/", "as_of": "2026-09-04", "period": null, "note": "Includes the spouse; exceptions may apply for veterans and targeted areas", "updated_at": "2026-10-29 07:58:59" }, { "key": "hfa_income_limit", "region": "HI", "value": "154805", "unit": "usd", "label": "Hale Kamaʻāina income limit, Honolulu County, 1–2 person household (non-targeted)", "source_name": "HHFDC: Hale Kamaʻāina eligibility, income and purchase price requirements", "source_url": "https://dbedt.hawaii.gov/hhfdc/hale-kama%ca%bbaina-mortgage-program-eligibility-income-and-purchase-price-requirements/", "as_of": "2026-06-13", "period": null, "note": "$178,025 for 3 or more persons", "updated_at": "2026-10-29 07:58:59" }, { "key": "hfa_price_limit", "region": "HI", "value": "866346", "unit": "usd", "label": "HHFDC Hale Kamaʻāina Mortgage Program purchase price limit, Honolulu County (non-targeted)", "source_name": "HHFDC: Hale Kamaʻāina eligibility, income and purchase price requirements", "source_url": "https://dbedt.hawaii.gov/hhfdc/hale-kama%ca%bbaina-mortgage-program-eligibility-income-and-purchase-price-requirements/", "as_of": "2026-06-13", "period": null, "note": "$613,662 in Hawaii County, $1,162,348 in Kauai County, $1,359,682 in Maui County; higher in targeted areas", "updated_at": "2026-10-29 07:58:59" }, { "key": "transfer_tax_rate", "region": "HI", "value": "0.1", "unit": "pct", "label": "State real estate transfer tax", "source_name": "Hawaii Department of Taxation, Form P-64A instructions", "source_url": "https://files.hawaii.gov/tax/forms/current/p64ains.pdf", "as_of": "2025-01-01", "period": "Rev. 2025", "note": "Whole-value scale from 0.10% under $600,000 to 1.00% at $10 million; higher when the buyer can’t claim a homeowner exemption", "updated_at": "2026-10-28 21:47:44" }, { "key": "acs_median_income", "region": "IA", "value": "75501", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US19", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±1016", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "IA", "value": "981", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US19", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±15", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "IA", "value": "2937", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US19", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±34", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "IA", "value": "227300", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US19", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±2299", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "IA", "value": "1973", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US19", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "IA", "value": "1538", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US19", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±19", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "IA", "value": "71.3", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US19", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "IA", "value": "1.29", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US19", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "hfa_dpa_max", "region": "IA", "value": "15000", "unit": "usd", "label": "Iowa Finance Authority 5% second loan cap for reservations made on or after Nov 2, 2026", "source_name": "Iowa Finance Authority bulletin, Sept 17, 2026 (linked from the down payment programs page)", "source_url": "https://t.e2ma.net/message/iojn2j/upsggnsd", "as_of": "2026-09-17", "period": null, "note": "A new 3% option up to $10,000 starts the same day and the Plus grant ends for new reservations", "updated_at": "2026-10-29 07:58:59" }, { "key": "hfa_dpa_max_pct", "region": "IA", "value": "5", "unit": "pct", "label": "Iowa Finance Authority FirstHome and Homes for Iowans second loan, up to (share of the lower of sale price or appraised value)", "source_name": "Iowa Finance Authority: Down payment and closing cost programs", "source_url": "https://opportunityiowa.gov/housing/homeownership-programs/down-payment-and-closing-costs-programs", "as_of": "2026-09-25", "period": null, "note": "No monthly payments; due on sale, refinance or payoff of the first mortgage", "updated_at": "2026-10-29 07:58:59" }, { "key": "hfa_military_grant", "region": "IA", "value": "5000", "unit": "usd", "label": "Iowa Military Homeownership Assistance grant", "source_name": "Iowa Finance Authority: Down payment and closing cost programs", "source_url": "https://opportunityiowa.gov/housing/homeownership-programs/down-payment-and-closing-costs-programs", "as_of": "2026-09-25", "period": null, "note": "For eligible service members and veterans; combines with FirstHome and Homes for Iowans", "updated_at": "2026-10-29 07:58:59" }, { "key": "hfa_min_score", "region": "IA", "value": "640", "unit": "score", "label": "Iowa Finance Authority FirstHome and Homes for Iowans minimum credit score", "source_name": "Iowa Finance Authority: FirstHome", "source_url": "https://opportunityiowa.gov/housing/homeownership-programs/firsthome-program", "as_of": "2026-08-13", "period": null, "note": null, "updated_at": "2026-10-29 07:58:59" }, { "key": "hfa_price_limit", "region": "IA", "value": "566000", "unit": "usd", "label": "Iowa FirstHome purchase price limit (outside targeted areas)", "source_name": "Iowa Finance Authority: FirstHome", "source_url": "https://opportunityiowa.gov/housing/homeownership-programs/firsthome-program", "as_of": "2026-08-13", "period": "2026 limits", "note": "$692,000 in targeted areas and for Homes for Iowans", "updated_at": "2026-10-29 07:58:59" }, { "key": "homestead_exemption", "region": "IA", "value": "20000", "unit": "usd", "label": "Iowa homestead tax exemption, maximum (taxable value)", "source_name": "Iowa Department of Revenue: Homestead Tax Credit and Exemption", "source_url": "https://revenue.iowa.gov/taxes/tax-guidance/property-tax/homestead-tax-credit-and-exemption", "as_of": "2026-06-16", "period": null, "note": "10% of taxable value, minimum $5,500, maximum $20,000; replaces the homestead credit from assessment year 2026 (SF 2472)", "updated_at": "2026-10-29 07:58:59" }, { "key": "homestead_exemption_min", "region": "IA", "value": "5500", "unit": "usd", "label": "Iowa homestead tax exemption, minimum (taxable value)", "source_name": "Iowa Department of Revenue: Homestead Tax Credit and Exemption", "source_url": "https://revenue.iowa.gov/taxes/tax-guidance/property-tax/homestead-tax-credit-and-exemption", "as_of": "2026-06-16", "period": null, "note": null, "updated_at": "2026-10-29 07:58:59" }, { "key": "homestead_exemption_pct", "region": "IA", "value": "10", "unit": "pct", "label": "Iowa homestead tax exemption (share of taxable value)", "source_name": "Iowa Department of Revenue: Homestead Tax Credit and Exemption", "source_url": "https://revenue.iowa.gov/taxes/tax-guidance/property-tax/homestead-tax-credit-and-exemption", "as_of": "2026-06-16", "period": null, "note": null, "updated_at": "2026-10-29 07:58:59" }, { "key": "transfer_tax_rate", "region": "IA", "value": "0.16", "unit": "pct", "label": "State real estate transfer tax", "source_name": "Iowa Department of Revenue", "source_url": "https://revenue.iowa.gov/taxes/tax-guidance/general/iowa-taxfee-descriptions-and-rates", "as_of": "2026-10-05", "period": null, "note": "$0.80 per $500 after the first $500", "updated_at": "2026-10-28 21:47:44" }, { "key": "acs_median_income", "region": "ID", "value": "81166", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US16", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±1340", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "ID", "value": "1384", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US16", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±29", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "ID", "value": "1912", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US16", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±27", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "ID", "value": "446400", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US16", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±5301", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "ID", "value": "1993", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US16", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "ID", "value": "1769", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US16", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±36", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "ID", "value": "71.7", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US16", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "ID", "value": "0.43", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US16", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "hfa_dpa_max_pct", "region": "ID", "value": "8", "unit": "pct", "label": "Idaho Housing down payment and closing cost assistance, up to (share of the sales price)", "source_name": "Idaho Housing and Finance Association: Down payment and closing cost assistance", "source_url": "https://www.idahohousing.com/homebuyers/down-payment-closing-cost-assistance/", "as_of": "2025-11-20", "period": null, "note": "Second mortgage repaid in monthly payments; checked Oct 2026", "updated_at": "2026-10-29 07:58:59" }, { "key": "hfa_income_limit", "region": "ID", "value": "170000", "unit": "usd", "label": "Idaho Housing down payment assistance household income limit", "source_name": "Idaho Housing and Finance Association: Down payment and closing cost assistance", "source_url": "https://www.idahohousing.com/homebuyers/down-payment-closing-cost-assistance/", "as_of": "2025-11-20", "period": null, "note": "Some loan programs have lower limits; checked Oct 2026", "updated_at": "2026-10-29 07:58:59" }, { "key": "hfa_min_contrib", "region": "ID", "value": "500", "unit": "usd", "label": "Idaho Housing down payment assistance: minimum buyer contribution from own funds", "source_name": "Idaho Housing and Finance Association: Down payment and closing cost assistance", "source_url": "https://www.idahohousing.com/homebuyers/down-payment-closing-cost-assistance/", "as_of": "2025-11-20", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:58:59" }, { "key": "homestead_exemption", "region": "ID", "value": "125000", "unit": "usd", "label": "Idaho homeowner’s exemption, up to", "source_name": "Idaho State Tax Commission: Property Tax Homeowner’s Exemption", "source_url": "https://tax.idaho.gov/taxes/property/homeowners/exemption/", "as_of": "2023-07-24", "period": null, "note": "50% of the value of the home and up to one acre, capped at $125,000; lasts until ownership or use changes", "updated_at": "2026-10-29 07:58:59" }, { "key": "homestead_exemption_pct", "region": "ID", "value": "50", "unit": "pct", "label": "Idaho homeowner’s exemption (share of the value of the home and up to one acre)", "source_name": "Idaho State Tax Commission: Property Tax Homeowner’s Exemption", "source_url": "https://tax.idaho.gov/taxes/property/homeowners/exemption/", "as_of": "2023-07-24", "period": null, "note": "Capped at $125,000", "updated_at": "2026-10-29 07:58:59" }, { "key": "transfer_tax_rate", "region": "ID", "value": "0", "unit": "pct", "label": "State real estate transfer tax", "source_name": "National Association of Realtors", "source_url": "https://narfocus.com/publication-issue/view/2023-07-05-state-and-local-issues-real-estate-transfer-tax", "as_of": "2023-07-05", "period": null, "note": "No statewide transfer tax", "updated_at": "2026-10-28 21:47:44" }, { "key": "acs_median_income", "region": "IL", "value": "83211", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US17", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±898", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "IL", "value": "1322", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US17", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±12", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "IL", "value": "5399", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US17", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±43", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "IL", "value": "280700", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US17", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±1768", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "IL", "value": "1971", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US17", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "IL", "value": "1994", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US17", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±15", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "IL", "value": "67.6", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US17", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "IL", "value": "1.92", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US17", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "hfa_dpa_deferred_max", "region": "IL", "value": "7500", "unit": "usd", "label": "IHDA deferred down payment assistance (5% of the purchase price), up to", "source_name": "IHDA Mortgage: Homebuyer programs", "source_url": "https://www.ihdamortgage.org/homebuyers", "as_of": "2026-10-29", "period": null, "note": "Repaid on sale or refinance; checked Oct 2026", "updated_at": "2026-10-29 07:58:59" }, { "key": "hfa_dpa_fixed", "region": "IL", "value": "9000", "unit": "usd", "label": "IHDA Opening Doors forgivable down payment assistance (flat amount)", "source_name": "IHDA Mortgage: Homebuyer programs", "source_url": "https://www.ihdamortgage.org/homebuyers", "as_of": "2026-10-29", "period": null, "note": "Non-first-time buyers may qualify; checked Oct 2026", "updated_at": "2026-10-29 07:58:59" }, { "key": "hfa_dpa_fixed_forgive_years", "region": "IL", "value": "5", "unit": "years", "label": "IHDA Opening Doors assistance is forgiven monthly over", "source_name": "IHDA Mortgage: Homebuyer programs", "source_url": "https://www.ihdamortgage.org/homebuyers", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:58:59" }, { "key": "hfa_dpa_forgivable_max", "region": "IL", "value": "6000", "unit": "usd", "label": "IHDA forgivable down payment assistance (4% of the purchase price), up to", "source_name": "IHDA Mortgage: Homebuyer programs", "source_url": "https://www.ihdamortgage.org/homebuyers", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:58:59" }, { "key": "hfa_dpa_forgive_years", "region": "IL", "value": "10", "unit": "years", "label": "IHDA forgivable down payment assistance is forgiven after", "source_name": "IHDA Mortgage: Homebuyer programs", "source_url": "https://www.ihdamortgage.org/homebuyers", "as_of": "2026-10-29", "period": null, "note": "Repaid only if sold or refinanced earlier; checked Oct 2026", "updated_at": "2026-10-29 07:58:59" }, { "key": "hfa_dpa_max", "region": "IL", "value": "15000", "unit": "usd", "label": "IHDA deferred down payment assistance for first-time buyers, up to", "source_name": "IHDA Mortgage: Homebuyer programs", "source_url": "https://www.ihdamortgage.org/homebuyers", "as_of": "2026-10-29", "period": null, "note": "6% of the purchase price up to $15,000; no monthly payments, repaid on sale or refinance; 30-year term; checked Oct 2026", "updated_at": "2026-10-29 07:58:59" }, { "key": "hfa_dpa_max_pct", "region": "IL", "value": "6", "unit": "pct", "label": "IHDA deferred down payment assistance for first-time buyers, up to (share of the purchase price)", "source_name": "IHDA Mortgage: Homebuyer programs", "source_url": "https://www.ihdamortgage.org/homebuyers", "as_of": "2026-10-29", "period": null, "note": "Capped at $15,000; checked Oct 2026", "updated_at": "2026-10-29 07:58:59" }, { "key": "hfa_dpa_repay_max", "region": "IL", "value": "10000", "unit": "usd", "label": "IHDA repayable 0% down payment assistance (10% of the purchase price), up to", "source_name": "IHDA Mortgage: Homebuyer programs", "source_url": "https://www.ihdamortgage.org/homebuyers", "as_of": "2026-10-29", "period": null, "note": "Monthly repayment required; checked Oct 2026", "updated_at": "2026-10-29 07:58:59" }, { "key": "hfa_dpa_term_years", "region": "IL", "value": "10", "unit": "years", "label": "IHDA repayable down payment assistance term", "source_name": "IHDA Mortgage: Homebuyer programs", "source_url": "https://www.ihdamortgage.org/homebuyers", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:58:59" }, { "key": "hfa_min_score", "region": "IL", "value": "640", "unit": "score", "label": "IHDA down payment assistance programs minimum credit score", "source_name": "IHDA Mortgage: Homebuyer programs", "source_url": "https://www.ihdamortgage.org/homebuyers", "as_of": "2026-10-29", "period": null, "note": "Middle score of three bureaus; checked Oct 2026", "updated_at": "2026-10-29 07:58:59" }, { "key": "homestead_65_exempt", "region": "IL", "value": "5000", "unit": "usd", "label": "Illinois Senior Citizens Homestead Exemption (65+), maximum EAV reduction outside Cook and its contiguous counties", "source_name": "Illinois Department of Revenue: Property tax relief", "source_url": "https://tax.illinois.gov/localgovernments/property/taxrelief.html", "as_of": "2026-10-29", "period": null, "note": "$8,000 in Cook and contiguous counties; checked Oct 2026", "updated_at": "2026-10-29 07:58:59" }, { "key": "homestead_exemption", "region": "IL", "value": "6000", "unit": "usd", "label": "Illinois General Homestead Exemption, maximum reduction in equalized assessed value (most counties)", "source_name": "Illinois Department of Revenue: Property tax relief", "source_url": "https://tax.illinois.gov/localgovernments/property/taxrelief.html", "as_of": "2026-10-29", "period": null, "note": "$10,000 in Cook County and $8,000 in counties contiguous to Cook; checked Oct 2026", "updated_at": "2026-10-29 07:58:59" }, { "key": "homestead_exemption_high", "region": "IL", "value": "10000", "unit": "usd", "label": "Illinois General Homestead Exemption in Cook County, maximum reduction in equalized assessed value", "source_name": "Illinois Department of Revenue: Property tax relief", "source_url": "https://tax.illinois.gov/localgovernments/property/taxrelief.html", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:58:59" }, { "key": "transfer_tax_rate", "region": "IL", "value": "0.1", "unit": "pct", "label": "State real estate transfer tax", "source_name": "Illinois Department of Revenue", "source_url": "https://tax.illinois.gov/research/taxrates/other.html", "as_of": "2026-10-28", "period": null, "note": "$0.50 per $500; counties may add $0.25 per $500 and home-rule cities more", "updated_at": "2026-10-28 21:47:44" }, { "key": "acs_median_income", "region": "IN", "value": "71959", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US18", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±630", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "IN", "value": "1104", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US18", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±11", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "IN", "value": "1798", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US18", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±19", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "IN", "value": "243500", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US18", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±1916", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "IN", "value": "1977", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US18", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "IN", "value": "1466", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US18", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±12", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "IN", "value": "70.7", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US18", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "IN", "value": "0.74", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US18", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "hfa_dpa_max_pct", "region": "IN", "value": "5", "unit": "pct", "label": "IHCDA First Step down payment assistance (share of the purchase price)", "source_name": "IHCDA Homeownership Program Guide", "source_url": "https://www.in.gov/ihcda/files/HOD-Universal-Program-Guide-Final%2010.16.26.pdf", "as_of": "2026-10-16", "period": null, "note": "Non-forgivable second lien, repaid on sale, refinance or payoff of the first mortgage; first-time buyers, targeted areas or eligible veterans", "updated_at": "2026-10-29 07:58:59" }, { "key": "hfa_dpa_max_pct_repeat", "region": "IN", "value": "3.5", "unit": "pct", "label": "IHCDA Next Home down payment assistance, up to (share of the lesser of price or appraised value)", "source_name": "IHCDA: Homeownership programs", "source_url": "https://www.in.gov/ihcda/homebuyers/programs", "as_of": "2026-10-16", "period": null, "note": "2.5% or 3.5% depending on the purchase price; no first-time buyer requirement; non-forgivable", "updated_at": "2026-10-29 07:58:59" }, { "key": "prop_tax_rate_cap", "region": "IN", "value": "1", "unit": "pct", "label": "Indiana property tax cap on a homestead (share of gross assessed value)", "source_name": "Indiana DLGF: Citizen’s guide to property tax", "source_url": "https://www.in.gov/dlgf/understanding-your-tax-bill/citizens-guide-to-property-tax", "as_of": "2026-09-21", "period": null, "note": "Circuit breaker credit; other property has higher caps", "updated_at": "2026-10-29 07:58:59" }, { "key": "transfer_tax_rate", "region": "IN", "value": "0", "unit": "pct", "label": "State real estate transfer tax", "source_name": "National Association of Realtors", "source_url": "https://narfocus.com/publication-issue/view/2023-07-05-state-and-local-issues-real-estate-transfer-tax", "as_of": "2023-07-05", "period": null, "note": "No statewide transfer tax; a $10 sales-disclosure fee applies", "updated_at": "2026-10-28 21:47:44" }, { "key": "acs_median_income", "region": "KS", "value": "75514", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US20", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±996", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "KS", "value": "1079", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US20", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±18", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "KS", "value": "2983", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US20", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±45", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "KS", "value": "238700", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US20", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±2937", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "KS", "value": "1976", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US20", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±2", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "KS", "value": "1749", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US20", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±26", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "KS", "value": "68.1", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US20", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "KS", "value": "1.25", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US20", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "hfa_dpa_forgive_years", "region": "KS", "value": "10", "unit": "years", "label": "Kansas Housing First Time Homebuyer loan is forgiven if you stay in the home", "source_name": "Kansas Housing Resources Corporation: First Time Homebuyer fact sheet", "source_url": "https://kshousingcorp.org/wp-content/uploads/2026/03/FTHB-Fact-Sheet-3-19-26.pdf", "as_of": "2026-03-19", "period": null, "note": "Selling earlier means repaying the unforgiven portion", "updated_at": "2026-10-29 07:58:59" }, { "key": "hfa_dpa_max_pct", "region": "KS", "value": "20", "unit": "pct", "label": "Kansas Housing First Time Homebuyer 0% forgivable loan, up to (share of the purchase price)", "source_name": "Kansas Housing Resources Corporation: First Time Homebuyer fact sheet", "source_url": "https://kshousingcorp.org/wp-content/uploads/2026/03/FTHB-Fact-Sheet-3-19-26.pdf", "as_of": "2026-03-19", "period": null, "note": "15% or 20% of the price; homes outside Johnson County and the cities of Kansas City, Lawrence, Topeka and Wichita", "updated_at": "2026-10-29 07:58:59" }, { "key": "hfa_guarantee_base_ltv", "region": "KS", "value": "80", "unit": "pct", "label": "Kansas Home Loan Guarantee covers the part of the loan above (share of appraised value)", "source_name": "Kansas Housing Resources Corporation: Home Loan Guarantee for Rural Kansas", "source_url": "https://kshousingcorp.org/homeowners/home-loan-guarantee-for-rural-kansas/", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:58:59" }, { "key": "hfa_guarantee_ltv", "region": "KS", "value": "125", "unit": "pct", "label": "Kansas Home Loan Guarantee covers loans up to (share of appraised value)", "source_name": "Kansas Housing Resources Corporation: Home Loan Guarantee for Rural Kansas", "source_url": "https://kshousingcorp.org/homeowners/home-loan-guarantee-for-rural-kansas/", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:58:59" }, { "key": "hfa_guarantee_max", "region": "KS", "value": "100000", "unit": "usd", "label": "Kansas Home Loan Guarantee for Rural Kansas, cap per guarantee", "source_name": "Kansas Housing Resources Corporation: Home Loan Guarantee for Rural Kansas", "source_url": "https://kshousingcorp.org/homeowners/home-loan-guarantee-for-rural-kansas/", "as_of": "2026-10-29", "period": null, "note": "Covers the part of the loan above 80% of appraised value; checked Oct 2026", "updated_at": "2026-10-29 07:58:59" }, { "key": "hfa_income_limit_pct", "region": "KS", "value": "80", "unit": "pct", "label": "Kansas Housing First Time Homebuyer income limit (share of area median income)", "source_name": "Kansas Housing Resources Corporation: First Time Homebuyer fact sheet", "source_url": "https://kshousingcorp.org/wp-content/uploads/2026/03/FTHB-Fact-Sheet-3-19-26.pdf", "as_of": "2026-03-19", "period": null, "note": null, "updated_at": "2026-10-29 07:58:59" }, { "key": "hfa_min_contrib_pct", "region": "KS", "value": "1", "unit": "pct", "label": "Kansas Housing First Time Homebuyer: minimum buyer contribution from own funds (share of the sale price)", "source_name": "Kansas Housing Resources Corporation: First Time Homebuyer fact sheet", "source_url": "https://kshousingcorp.org/wp-content/uploads/2026/03/FTHB-Fact-Sheet-3-19-26.pdf", "as_of": "2026-03-19", "period": null, "note": "No more than 10%", "updated_at": "2026-10-29 07:58:59" }, { "key": "transfer_tax_rate", "region": "KS", "value": "0", "unit": "pct", "label": "State real estate transfer tax", "source_name": "National Association of Realtors", "source_url": "https://narfocus.com/publication-issue/view/2023-07-05-state-and-local-issues-real-estate-transfer-tax", "as_of": "2023-07-05", "period": null, "note": "No statewide transfer tax; the mortgage registration tax was repealed from 2019", "updated_at": "2026-10-28 21:47:44" }, { "key": "acs_median_income", "region": "KY", "value": "64526", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US21", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±1165", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "KY", "value": "998", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US21", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±19", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "KY", "value": "1611", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US21", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±26", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "KY", "value": "226000", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US21", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±2611", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "KY", "value": "1983", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US21", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "KY", "value": "1453", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US21", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±17", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "KY", "value": "68.1", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US21", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "KY", "value": "0.71", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US21", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "hfa_dpa_max", "region": "KY", "value": "12500", "unit": "usd", "label": "KHC Down Payment Assistance, up to", "source_name": "Kentucky Housing Corporation: Down Payment Assistance", "source_url": "https://www.kyhousing.org/page/down-payment-assistance", "as_of": "2026-10-29", "period": null, "note": "Second loan repaid over 15 years; available with a KHC first mortgage; checked Oct 2026", "updated_at": "2026-10-29 07:58:59" }, { "key": "hfa_dpa_term_years", "region": "KY", "value": "15", "unit": "years", "label": "KHC Down Payment Assistance repayment term", "source_name": "Kentucky Housing Corporation: Down Payment Assistance", "source_url": "https://www.kyhousing.org/page/down-payment-assistance", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:58:59" }, { "key": "hfa_min_score", "region": "KY", "value": "620", "unit": "score", "label": "KHC minimum credit score, FHA, VA and RHS loans", "source_name": "Kentucky Housing Corporation: Eligibility", "source_url": "https://www.kyhousing.org/page/eligibility", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:58:59" }, { "key": "hfa_price_limit", "region": "KY", "value": "566354", "unit": "usd", "label": "KHC purchase price limit", "source_name": "Kentucky Housing Corporation: Eligibility", "source_url": "https://www.kyhousing.org/page/eligibility", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:58:59" }, { "key": "homestead_65_exempt", "region": "KY", "value": "49100", "unit": "usd", "label": "Kentucky homestead exemption, age 65+ or totally disabled (assessed value exempt)", "source_name": "Kentucky Department of Revenue: Homestead Exemption", "source_url": "https://revenue.ky.gov/Property/Residential-Farm-Commercial-Property/pages/homestead-exemption.aspx", "as_of": "2026-10-29", "period": "2025–2026 assessment years", "note": "Apply with the county PVA; checked Oct 2026", "updated_at": "2026-10-29 07:58:59" }, { "key": "transfer_tax_rate", "region": "KY", "value": "0.1", "unit": "pct", "label": "State real estate transfer tax", "source_name": "KRS 142.050", "source_url": "https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=43160", "as_of": "2014-07-15", "period": null, "note": "$0.50 per $500 of value", "updated_at": "2026-10-28 21:47:44" }, { "key": "acs_median_income", "region": "LA", "value": "60986", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US22", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±803", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "LA", "value": "1064", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US22", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±15", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "LA", "value": "1187", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US22", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±31", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "LA", "value": "223200", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US22", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±2575", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "LA", "value": "1983", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US22", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "LA", "value": "1650", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US22", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±20", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "LA", "value": "68.1", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US22", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "LA", "value": "0.53", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US22", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "assessment_ratio", "region": "LA", "value": "10", "unit": "pct", "label": "Louisiana residential assessed value as a share of fair market value", "source_name": "Louisiana Legislature: Résumé digest, Act 274 (HB 514) of 2026", "source_url": "https://www.legis.la.gov/Legis/ViewDocument.aspx?d=1485493", "as_of": "2026-10-29", "period": null, "note": "Implied by the $7,500 homestead exemption equaling $75,000 of fair market value; checked Oct 2026", "updated_at": "2026-10-29 07:58:59" }, { "key": "hfa_dpa_forgive_years", "region": "LA", "value": "5", "unit": "years", "label": "LHC HomeStart Assist second mortgage is fully forgiven after", "source_name": "Louisiana Housing Corporation: HomeStart Assist", "source_url": "https://www.lhc.la.gov/homestartassist", "as_of": "2026-09-10", "period": null, "note": "60 months", "updated_at": "2026-10-29 07:58:59" }, { "key": "hfa_dpa_max_pct", "region": "LA", "value": "4", "unit": "pct", "label": "LHC HomeStart Assist forgivable second mortgage (share of the first mortgage)", "source_name": "Louisiana Housing Corporation: HomeStart Assist", "source_url": "https://www.lhc.la.gov/homestartassist", "as_of": "2026-09-10", "period": null, "note": "0% interest; fully forgiven after 60 months; first-time buyers", "updated_at": "2026-10-29 07:58:59" }, { "key": "hfa_income_limit_pct", "region": "LA", "value": "115", "unit": "pct", "label": "LHC HomeStart Assist income limit, non-targeted areas (share of area median income)", "source_name": "Louisiana Housing Corporation: HomeStart Assist", "source_url": "https://www.lhc.la.gov/homestartassist", "as_of": "2026-09-10", "period": null, "note": "Up to 140% of AMI in targeted areas", "updated_at": "2026-10-29 07:58:59" }, { "key": "hfa_min_score", "region": "LA", "value": "640", "unit": "score", "label": "LHC HomeStart Assist minimum credit score", "source_name": "Louisiana Housing Corporation: HomeStart Assist", "source_url": "https://www.lhc.la.gov/homestartassist", "as_of": "2026-09-10", "period": null, "note": null, "updated_at": "2026-10-29 07:58:59" }, { "key": "homestead_exemption", "region": "LA", "value": "7500", "unit": "usd", "label": "Louisiana homestead exemption (assessed value; equal to $75,000 of fair market value)", "source_name": "Louisiana Legislature: Résumé digest, Act 274 (HB 514) of 2026", "source_url": "https://www.legis.la.gov/Legis/ViewDocument.aspx?d=1485493", "as_of": "2026-10-29", "period": null, "note": "La. Const. Art. VII, §20; checked Oct 2026", "updated_at": "2026-10-29 07:58:59" }, { "key": "roof_grant_max", "region": "LA", "value": "10000", "unit": "usd", "label": "Louisiana Fortify Homes Program grant for a FORTIFIED roof, up to", "source_name": "Louisiana Department of Insurance: Fortify Homes FAQ", "source_url": "https://ldi.la.gov/fortifyhomesfaq", "as_of": "2026-10-29", "period": null, "note": "Primary residences with a homestead exemption and wind coverage; awarded through periodic lotteries; checked Oct 2026", "updated_at": "2026-10-29 07:58:59" }, { "key": "transfer_tax_rate", "region": "LA", "value": "0", "unit": "pct", "label": "State real estate transfer tax", "source_name": "National Association of Realtors", "source_url": "https://narfocus.com/publication-issue/view/2023-07-05-state-and-local-issues-real-estate-transfer-tax", "as_of": "2023-07-05", "period": null, "note": "No statewide transfer tax", "updated_at": "2026-10-28 21:47:44" }, { "key": "acs_median_income", "region": "MA", "value": "104828", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US25", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±1650", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "MA", "value": "1848", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US25", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±24", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "MA", "value": "6080", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US25", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±39", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "MA", "value": "607400", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US25", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±3979", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "MA", "value": "1965", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US25", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "MA", "value": "2755", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US25", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±21", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "MA", "value": "62.4", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US25", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "MA", "value": "1", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US25", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "hfa_dpa_max", "region": "MA", "value": "30000", "unit": "usd", "label": "MassHousing down payment assistance, up to", "source_name": "MassHousing: Down Payment Assistance", "source_url": "https://www.masshousing.com/buy-a-home/programs/downpayment-assistance/", "as_of": "2026-10-29", "period": null, "note": "Option 1: 0% deferred, Options 2 and 3 (up to $25,000) are repaid monthly over 15 years, Checked Oct 2026", "updated_at": "2026-10-29 07:49:24" }, { "key": "homestead_protect_auto", "region": "MA", "value": "125000", "unit": "usd", "label": "Massachusetts automatic homestead protection (no declaration filed)", "source_name": "Secretary of the Commonwealth: Homestead FAQ", "source_url": "https://www.sec.state.ma.us/divisions/registry-of-deeds/download/homestead-faq-en.pdf", "as_of": "2024-09-16", "period": null, "note": "M.G.L. c. 188, does not protect against mortgage lenders", "updated_at": "2026-10-29 11:04:39" }, { "key": "homestead_protect_declared", "region": "MA", "value": "1000000", "unit": "usd", "label": "Massachusetts declared homestead protection, up to", "source_name": "Secretary of the Commonwealth: Homestead FAQ", "source_url": "https://www.sec.state.ma.us/divisions/registry-of-deeds/download/homestead-faq-en.pdf", "as_of": "2024-09-16", "period": null, "note": "Chapter 150 of the Acts of 2024, per residence, owners 62+ or disabled up to $1,000,000 each", "updated_at": "2026-10-29 11:04:39" }, { "key": "transfer_tax_rate", "region": "MA", "value": "0.456", "unit": "pct", "label": "State real estate transfer tax", "source_name": "Massachusetts Department of Revenue", "source_url": "https://www.mass.gov/info-details/massachusetts-tax-rates", "as_of": "2025-12-30", "period": null, "note": "Deeds excise $2.28 per $500", "updated_at": "2026-10-28 21:47:44" }, { "key": "acs_median_income", "region": "MD", "value": "102905", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US24", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±1404", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "MD", "value": "1721", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US24", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±14", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "MD", "value": "4144", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US24", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±40", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "MD", "value": "436300", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US24", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±3089", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "MD", "value": "1980", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US24", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "MD", "value": "2389", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US24", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±21", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "MD", "value": "67.8", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US24", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "MD", "value": "0.95", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US24", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "fthb_transfer_tax_rate", "region": "MD", "value": "0.25", "unit": "pct", "label": "Maryland state transfer tax for a first-time Maryland home buyer (paid entirely by the seller)", "source_name": "Maryland Code, Tax-Property § 13-203", "source_url": "https://mgaleg.maryland.gov/2026RS/Statute_Web/gtp/13-203.pdf", "as_of": "2026-10-29", "period": null, "note": "Buyer must never have owned a Maryland principal residence and must occupy the home, Checked Oct 2026", "updated_at": "2026-10-29 07:49:24" }, { "key": "hfa_dpa_fixed", "region": "MD", "value": "6000", "unit": "usd", "label": "MMP 1st Time Advantage 6000 down payment loan", "source_name": "Maryland Mortgage Program: MMP 1st Time Advantage", "source_url": "https://mmp.maryland.gov/home-loans/mmp-1st-time-advantage", "as_of": "2026-09-04", "period": null, "note": "0% second lien, no payments while the first mortgage is in place", "updated_at": "2026-10-29 07:49:24" }, { "key": "hfa_dpa_low_income_pct", "region": "MD", "value": "6", "unit": "pct", "label": "MMP HomeStart down payment loan for households at or below 50% of area median income (share of the first mortgage)", "source_name": "Maryland Mortgage Program: MMP 1st Time Advantage", "source_url": "https://mmp.maryland.gov/home-loans/mmp-1st-time-advantage", "as_of": "2026-09-04", "period": null, "note": "0% interest, 30-year deferred", "updated_at": "2026-10-29 07:49:24" }, { "key": "hfa_dpa_max_pct", "region": "MD", "value": "5", "unit": "pct", "label": "MMP 1st Time Advantage down payment loan, up to (share of the first mortgage)", "source_name": "Maryland Mortgage Program: MMP 1st Time Advantage", "source_url": "https://mmp.maryland.gov/home-loans/mmp-1st-time-advantage", "as_of": "2026-09-04", "period": null, "note": "Offered as 3%, 4% or 5% of the first mortgage, 0% deferred second lien", "updated_at": "2026-10-29 07:49:24" }, { "key": "hfa_partner_match", "region": "MD", "value": "2500", "unit": "usd", "label": "MMP Partner Match: partner assistance matched, up to", "source_name": "Maryland Mortgage Program: Down Payment Assistance", "source_url": "https://mmp.maryland.gov/home-loans/down-payment-assistance", "as_of": "2026-03-17", "period": null, "note": "With 1st Time Advantage 6000 and Flex 6000 loans", "updated_at": "2026-10-29 07:49:24" }, { "key": "homestead_cap", "region": "MD", "value": "10", "unit": "pct", "label": "Maryland Homestead Tax Credit: yearly cap on taxable assessment increases (state tax, local caps can be lower)", "source_name": "Maryland SDAT: Homestead Tax Credit", "source_url": "https://dat.maryland.gov/realproperty/Pages/Maryland-Homestead-Tax-Credit.aspx", "as_of": "2026-10-29", "period": null, "note": "One-time application, Checked Oct 2026", "updated_at": "2026-10-29 07:49:24" }, { "key": "transfer_tax_rate", "region": "MD", "value": "0.5", "unit": "pct", "label": "State real estate transfer tax", "source_name": "Maryland Tax-Property Article §13-203", "source_url": "https://mgaleg.maryland.gov/2026RS/Statute_Web/gtp/13-203.pdf", "as_of": "2026-01-21", "period": null, "note": "0.25% for first-time Maryland buyers (seller pays it); county recordation and transfer taxes are added", "updated_at": "2026-10-28 21:47:44" }, { "key": "acs_median_income", "region": "ME", "value": "76442", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US23", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±1354", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "ME", "value": "1210", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US23", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±30", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "ME", "value": "3103", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US23", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±56", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "ME", "value": "341900", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US23", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±4987", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "ME", "value": "1978", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US23", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "ME", "value": "1796", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US23", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±33", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "ME", "value": "73.3", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US23", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "ME", "value": "0.91", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US23", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "hfa_dpa_max", "region": "ME", "value": "5000", "unit": "usd", "label": "MaineHousing First Home Advantage down payment and closing cost assistance, up to", "source_name": "MaineHousing: First Home Loan Program", "source_url": "https://www.mainehousing.org/programs-services/homebuyer/homebuyerdetail/first-home-loan-program", "as_of": "2026-10-29", "period": null, "note": "Requires a 1% borrower contribution and a hoMEworks homebuyer class; checked Oct 2026", "updated_at": "2026-10-29 07:58:59" }, { "key": "hfa_firstgen_dpa", "region": "ME", "value": "10000", "unit": "usd", "label": "MaineHousing First Generation program assistance", "source_name": "MaineHousing: First Generation Program", "source_url": "https://www.mainehousing.org/programs-services/homebuyer/homebuyerdetail/first-generation-program", "as_of": "2026-10-29", "period": null, "note": "For buyers who never lived in a home owned by their parents or guardians, or were in foster care; checked Oct 2026", "updated_at": "2026-10-29 07:58:59" }, { "key": "hfa_min_contrib_pct", "region": "ME", "value": "1", "unit": "pct", "label": "MaineHousing Advantage: minimum borrower contribution (share of the loan)", "source_name": "MaineHousing: First Home Loan Program", "source_url": "https://www.mainehousing.org/programs-services/homebuyer/homebuyerdetail/first-home-loan-program", "as_of": "2026-10-29", "period": null, "note": "Homebuyer class cost counts toward it; checked Oct 2026", "updated_at": "2026-10-29 07:58:59" }, { "key": "hfa_min_score", "region": "ME", "value": "640", "unit": "score", "label": "MaineHousing First Home Loan minimum credit score", "source_name": "MaineHousing: First Home Loan Program", "source_url": "https://www.mainehousing.org/programs-services/homebuyer/homebuyerdetail/first-home-loan-program", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:58:59" }, { "key": "hfa_vet_rate_cut", "region": "ME", "value": "0.5", "unit": "pct", "label": "MaineHousing SaluteME rate discount on a 30-year First Home Loan (active duty, veterans, retired military)", "source_name": "MaineHousing: First Home Loan Program", "source_url": "https://www.mainehousing.org/programs-services/homebuyer/homebuyerdetail/first-home-loan-program", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:58:59" }, { "key": "homestead_exemption", "region": "ME", "value": "25000", "unit": "usd", "label": "Maine homestead exemption, up to (scaled by the town’s certified ratio)", "source_name": "Maine Revenue Services: Homestead Exemption Program FAQ", "source_url": "https://www.maine.gov/revenue/faq/homestead-exemption-program", "as_of": "2026-10-29", "period": null, "note": "Owned a home in Maine for the 12 months before applying; file with the town by April 1; checked Oct 2026", "updated_at": "2026-10-29 07:58:59" }, { "key": "homestead_residency_months", "region": "ME", "value": "12", "unit": "months", "label": "Maine homestead exemption: owned a home in Maine for at least the past", "source_name": "Maine Revenue Services: Homestead Exemption Program FAQ", "source_url": "https://www.maine.gov/revenue/faq/homestead-exemption-program", "as_of": "2026-10-29", "period": null, "note": "Before applying; checked Oct 2026", "updated_at": "2026-10-29 07:58:59" }, { "key": "transfer_tax_rate", "region": "ME", "value": "0.44", "unit": "pct", "label": "State real estate transfer tax", "source_name": "Maine Revenue Services", "source_url": "https://www.maine.gov/revenue/taxes/property-tax/transfer-tax", "as_of": "2026-10-28", "period": null, "note": "$2.20 per $500, split equally between buyer and seller", "updated_at": "2026-10-28 21:47:44" }, { "key": "acs_median_income", "region": "MI", "value": "72389", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US26", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±567", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "MI", "value": "1168", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US26", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±11", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "MI", "value": "2988", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US26", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±19", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "MI", "value": "254200", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US26", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±1616", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "MI", "value": "1972", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US26", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "MI", "value": "1573", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US26", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±9", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "MI", "value": "73.5", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US26", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "MI", "value": "1.18", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US26", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "hfa_dpa_max", "region": "MI", "value": "10000", "unit": "usd", "label": "MSHDA MI 10K DPA loan, up to", "source_name": "Michigan State Housing Development Authority: MI 10K DPA Loan", "source_url": "https://www.michigan.gov/mshda/pathway-to-housing/mi-10k-dpa-loan", "as_of": "2026-10-29", "period": null, "note": "0% deferred, paired with an MI Home Loan, Checked Oct 2026", "updated_at": "2026-10-29 07:49:24" }, { "key": "pre_school_mills", "region": "MI", "value": "18", "unit": "count", "label": "Michigan Principal Residence Exemption: school operating millage exempted, up to (mills)", "source_name": "Michigan Department of Treasury: Principal Residence Exemption", "source_url": "https://www.michigan.gov/taxes/property/principal", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:49:24" }, { "key": "sev_share", "region": "MI", "value": "50", "unit": "pct", "label": "Michigan state equalized value (SEV) as a share of true cash value", "source_name": "Michigan State Tax Commission: Transfer of Ownership Guidelines", "source_url": "https://www.michigan.gov/taxes/-/media/Project/Websites/taxes/STC/TransferOwnershipGuidelines.pdf?rev=adadcab40aed4a6687c992bc54162095&hash=51B779B1E461FCD1C080DC370276348C", "as_of": "2025-02-25", "period": null, "note": "After a transfer, taxable value is set to SEV for the following year", "updated_at": "2026-10-29 07:49:24" }, { "key": "taxable_value_cap", "region": "MI", "value": "5", "unit": "pct", "label": "Michigan cap on yearly taxable value increases (or the inflation rate, if lower)", "source_name": "Michigan State Tax Commission: Transfer of Ownership Guidelines", "source_url": "https://www.michigan.gov/taxes/-/media/Project/Websites/taxes/STC/TransferOwnershipGuidelines.pdf?rev=adadcab40aed4a6687c992bc54162095&hash=51B779B1E461FCD1C080DC370276348C", "as_of": "2025-02-25", "period": null, "note": "Cap is removed (uncapped) the year after a transfer of ownership", "updated_at": "2026-10-29 07:49:24" }, { "key": "transfer_tax_rate", "region": "MI", "value": "0.86", "unit": "pct", "label": "State real estate transfer tax", "source_name": "Michigan Department of Treasury", "source_url": "https://www.michigan.gov/taxes/business-taxes/misc/state-real-estate-transfer-tax-srett", "as_of": "2026-10-28", "period": null, "note": "State $3.75 plus county $0.55 per $500; paid by the seller", "updated_at": "2026-10-28 21:47:44" }, { "key": "acs_median_income", "region": "MN", "value": "87117", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US27", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±961", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "MN", "value": "1291", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US27", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±17", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "MN", "value": "3501", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US27", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±24", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "MN", "value": "344600", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US27", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±1807", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "MN", "value": "1979", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US27", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "MN", "value": "1985", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US27", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±13", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "MN", "value": "71.6", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US27", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "MN", "value": "1.02", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US27", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "hfa_dpa_max", "region": "MN", "value": "18000", "unit": "usd", "label": "Minnesota Housing Deferred Payment Loan Plus (Start Up), up to", "source_name": "Minnesota Housing: Buy a Home and Refinance", "source_url": "https://www.mnhousing.gov/home/homeownership/buy-home-refinance", "as_of": "2026-10-29", "period": null, "note": "0% interest, no monthly payments, due at the end of the mortgage term or on sale or refinance, Checked Oct 2026", "updated_at": "2026-10-29 07:49:24" }, { "key": "hfa_dpa_repay_max", "region": "MN", "value": "14000", "unit": "usd", "label": "Minnesota Housing Monthly Payment Loan, up to", "source_name": "Minnesota Housing: Buy a Home and Refinance", "source_url": "https://www.mnhousing.gov/home/homeownership/buy-home-refinance", "as_of": "2026-10-29", "period": null, "note": "Repaid over 15 years at the first-mortgage rate, Start Up or Step Up, Checked Oct 2026", "updated_at": "2026-10-29 07:49:24" }, { "key": "hfa_dpa_repay_years", "region": "MN", "value": "15", "unit": "years", "label": "Minnesota Housing Monthly Payment Loan repayment term", "source_name": "Minnesota Housing: Buy a Home and Refinance", "source_url": "https://www.mnhousing.gov/home/homeownership/buy-home-refinance", "as_of": "2026-10-29", "period": null, "note": "Interest rate equals the first-mortgage rate, Checked Oct 2026", "updated_at": "2026-10-29 07:49:24" }, { "key": "hfa_income_limit", "region": "MN", "value": "156100", "unit": "usd", "label": "Minnesota Housing Start Up income limit, up to (varies by county)", "source_name": "Minnesota Housing: Buy a Home and Refinance", "source_url": "https://www.mnhousing.gov/home/homeownership/buy-home-refinance", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:49:24" }, { "key": "hfa_income_limit_repeat", "region": "MN", "value": "196600", "unit": "usd", "label": "Minnesota Housing Step Up income limit, up to (varies by county)", "source_name": "Minnesota Housing: Buy a Home and Refinance", "source_url": "https://www.mnhousing.gov/home/homeownership/buy-home-refinance", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:49:24" }, { "key": "hfa_price_limit", "region": "MN", "value": "515200", "unit": "usd", "label": "Minnesota Housing Start Up purchase price limit, 11-county Metro area", "source_name": "Minnesota Housing: Buy a Home and Refinance", "source_url": "https://www.mnhousing.gov/home/homeownership/buy-home-refinance", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:49:24" }, { "key": "hfa_price_limit_other", "region": "MN", "value": "472030", "unit": "usd", "label": "Minnesota Housing Start Up purchase price limit, counties outside the Metro area", "source_name": "Minnesota Housing: Buy a Home and Refinance", "source_url": "https://www.mnhousing.gov/home/homeownership/buy-home-refinance", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:49:24" }, { "key": "mortgage_tax_rate", "region": "MN", "value": "0.23", "unit": "pct", "label": "State tax on recording a mortgage", "source_name": "Minnesota Department of Revenue", "source_url": "https://www.revenue.state.mn.us/mortgage-tax-rate", "as_of": "2026-10-28", "period": null, "note": "Mortgage registry tax 0.23% of the debt", "updated_at": "2026-10-28 21:47:44" }, { "key": "transfer_tax_rate", "region": "MN", "value": "0.33", "unit": "pct", "label": "State real estate transfer tax", "source_name": "Minnesota Department of Revenue", "source_url": "https://www.revenue.state.mn.us/deed-tax-rate", "as_of": "2026-10-28", "period": null, "note": "Deed tax 0.33% of net consideration (0.34% in Hennepin and Ramsey)", "updated_at": "2026-10-28 21:47:44" }, { "key": "acs_median_income", "region": "MO", "value": "71589", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US29", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±703", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "MO", "value": "1067", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US29", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±14", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "MO", "value": "2021", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US29", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±29", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "MO", "value": "254400", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US29", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±2059", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "MO", "value": "1978", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US29", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "MO", "value": "1589", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US29", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±14", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "MO", "value": "68.6", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US29", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "MO", "value": "0.79", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US29", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "assess_ratio_res", "region": "MO", "value": "19", "unit": "pct", "label": "Missouri residential property is assessed at (share of market value)", "source_name": "State Tax Commission of Missouri: Assessor Manual, General Information", "source_url": "https://stc.mo.gov/wp-content/uploads/sites/5/2026/06/Chapter-2-Final-Revised-06-01-2026.pdf", "as_of": "2026-06-01", "period": null, "note": "Section 137.115.5 RSMo, assessments updated every odd-numbered year", "updated_at": "2026-10-29 07:49:24" }, { "key": "hfa_dpa_forgive_years", "region": "MO", "value": "10", "unit": "years", "label": "MHDC Next Step cash assistance is fully forgiven after", "source_name": "Missouri Housing Development Commission: Next Step Learn More", "source_url": "https://mhdc.com/media/wf2onuss/next-step-learn-more_11182025.pdf", "as_of": "2026-10-29", "period": null, "note": "Reduces by 1/60 a month after year five, Checked Oct 2026", "updated_at": "2026-10-29 07:49:24" }, { "key": "hfa_dpa_max_pct", "region": "MO", "value": "4", "unit": "pct", "label": "MHDC Next Step cash assistance, forgivable second loan (share of the mortgage)", "source_name": "Missouri Housing Development Commission: Next Step Learn More", "source_url": "https://mhdc.com/media/wf2onuss/next-step-learn-more_11182025.pdf", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:49:24" }, { "key": "hfa_min_score", "region": "MO", "value": "640", "unit": "score", "label": "MHDC Next Step minimum credit score", "source_name": "Missouri Housing Development Commission: Next Step Learn More", "source_url": "https://mhdc.com/media/wf2onuss/next-step-learn-more_11182025.pdf", "as_of": "2026-10-29", "period": null, "note": "Lenders may require more, Checked Oct 2026", "updated_at": "2026-10-29 07:49:24" }, { "key": "transfer_tax_rate", "region": "MO", "value": "0", "unit": "pct", "label": "State real estate transfer tax", "source_name": "National Association of Realtors", "source_url": "https://narfocus.com/publication-issue/view/2023-07-05-state-and-local-issues-real-estate-transfer-tax", "as_of": "2023-07-05", "period": null, "note": "No statewide transfer tax", "updated_at": "2026-10-28 21:47:44" }, { "key": "acs_median_income", "region": "MS", "value": "59127", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US28", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±1560", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "MS", "value": "990", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US28", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±15", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "MS", "value": "1221", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US28", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±29", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "MS", "value": "186500", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US28", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±3787", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "MS", "value": "1987", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US28", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±2", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "MS", "value": "1448", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US28", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±22", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "MS", "value": "70.5", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US28", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "MS", "value": "0.65", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US28", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "hfa_dpa_deferred", "region": "MS", "value": "8000", "unit": "usd", "label": "MHC Easy8 second mortgage (0%, deferred)", "source_name": "Mississippi Home Corporation: Easy8", "source_url": "https://www.mshomecorp.com/programs/easy8/", "as_of": "2026-10-29", "period": null, "note": "Due on refinance, payoff of the first mortgage or when no longer owner-occupied, Checked Oct 2026", "updated_at": "2026-10-29 07:49:24" }, { "key": "hfa_dpa_max", "region": "MS", "value": "10000", "unit": "usd", "label": "MHC Trusty10 second mortgage", "source_name": "Mississippi Home Corporation: MHC Mortgage Products", "source_url": "https://www.mshomecorp.com/mhc-programs/", "as_of": "2026-10-29", "period": null, "note": "Repaid with interest over 15 years, Checked Oct 2026", "updated_at": "2026-10-29 07:49:24" }, { "key": "hfa_dpa_min", "region": "MS", "value": "7000", "unit": "usd", "label": "MHC Smart7 second mortgage (0%, deferred)", "source_name": "Mississippi Home Corporation: MHC Mortgage Products", "source_url": "https://www.mshomecorp.com/mhc-programs/", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:49:24" }, { "key": "hfa_dpa_repay_rate", "region": "MS", "value": "2", "unit": "pct", "label": "MHC Trusty10 second mortgage interest rate", "source_name": "Mississippi Home Corporation: MHC Mortgage Products", "source_url": "https://www.mshomecorp.com/mhc-programs/", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:49:24" }, { "key": "hfa_dpa_repay_years", "region": "MS", "value": "15", "unit": "years", "label": "MHC Trusty10 second mortgage repayment term", "source_name": "Mississippi Home Corporation: MHC Mortgage Products", "source_url": "https://www.mshomecorp.com/mhc-programs/", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:49:24" }, { "key": "hfa_teacher_dpa_max", "region": "MS", "value": "6000", "unit": "usd", "label": "MHC Housing Assistance for Teachers (HAT) grant, up to", "source_name": "Mississippi Home Corporation: MHC Mortgage Products", "source_url": "https://www.mshomecorp.com/mhc-programs/", "as_of": "2026-10-29", "period": null, "note": "Mississippi-certified public school teachers in select areas, Checked Oct 2026", "updated_at": "2026-10-29 07:49:24" }, { "key": "homestead_65_exempt", "region": "MS", "value": "7500", "unit": "usd", "label": "Mississippi homestead exemption, age 65+ or disabled: assessed value exempt", "source_name": "Mississippi Department of Revenue: Homestead Exemption", "source_url": "https://www.dor.ms.gov/county-services/homestead-exemption", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:49:24" }, { "key": "homestead_exemption", "region": "MS", "value": "300", "unit": "usd", "label": "Mississippi regular homestead exemption, tax credit up to", "source_name": "Mississippi Department of Revenue: Homestead Exemption", "source_url": "https://www.dor.ms.gov/county-services/homestead-exemption", "as_of": "2026-10-29", "period": null, "note": "Apply at the county tax assessor between January 1 and April 1, Checked Oct 2026", "updated_at": "2026-10-29 07:49:24" }, { "key": "transfer_tax_rate", "region": "MS", "value": "0", "unit": "pct", "label": "State real estate transfer tax", "source_name": "National Association of Realtors", "source_url": "https://narfocus.com/publication-issue/view/2023-07-05-state-and-local-issues-real-estate-transfer-tax", "as_of": "2023-07-05", "period": null, "note": "No statewide transfer tax", "updated_at": "2026-10-28 21:47:44" }, { "key": "acs_median_income", "region": "MT", "value": "75340", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US30", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±1635", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "MT", "value": "1177", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US30", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±42", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "MT", "value": "2939", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US30", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±57", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "MT", "value": "425400", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US30", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±10246", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "MT", "value": "1983", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US30", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±2", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "MT", "value": "1878", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US30", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±40", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "MT", "value": "68.6", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US30", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "MT", "value": "0.69", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US30", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "hfa_dpa_max", "region": "MT", "value": "15000", "unit": "usd", "label": "Montana Board of Housing down payment assistance, up to", "source_name": "Montana Board of Housing: Down Payment Assistance", "source_url": "https://commerce.mt.gov/Housing/Homeownership/Down-Payment-Assistance", "as_of": "2026-10-29", "period": null, "note": "Bond Advantage DPA and MBOH Plus, also capped at 5% of the sales price, Checked Oct 2026", "updated_at": "2026-10-29 07:49:24" }, { "key": "hfa_dpa_max_pct", "region": "MT", "value": "5", "unit": "pct", "label": "Montana Board of Housing down payment assistance, up to (share of the sales price)", "source_name": "Montana Board of Housing: Down Payment Assistance", "source_url": "https://commerce.mt.gov/Housing/Homeownership/Down-Payment-Assistance", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:49:24" }, { "key": "hfa_income_limit", "region": "MT", "value": "80000", "unit": "usd", "label": "MBOH Plus 0% deferred assistance income limit, 1–2 person household", "source_name": "Montana Board of Housing: Down Payment Assistance", "source_url": "https://commerce.mt.gov/Housing/Homeownership/Down-Payment-Assistance", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:49:24" }, { "key": "hfa_income_limit_large", "region": "MT", "value": "90000", "unit": "usd", "label": "MBOH Plus 0% deferred assistance income limit, household of 3 or more", "source_name": "Montana Board of Housing: Down Payment Assistance", "source_url": "https://commerce.mt.gov/Housing/Homeownership/Down-Payment-Assistance", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:49:24" }, { "key": "hfa_min_cash", "region": "MT", "value": "1000", "unit": "usd", "label": "Montana Board of Housing down payment assistance: minimum buyer cash investment (may be gifted)", "source_name": "Montana Board of Housing: Down Payment Assistance", "source_url": "https://commerce.mt.gov/Housing/Homeownership/Down-Payment-Assistance", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:49:24" }, { "key": "hfa_min_score", "region": "MT", "value": "620", "unit": "score", "label": "Montana Board of Housing down payment assistance minimum credit score (all borrowers)", "source_name": "Montana Board of Housing: Down Payment Assistance", "source_url": "https://commerce.mt.gov/Housing/Homeownership/Down-Payment-Assistance", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:49:24" }, { "key": "homestead_occupancy_months", "region": "MT", "value": "7", "unit": "months", "label": "Montana homestead reduced tax rate: owner must live in the home at least this many months of the year", "source_name": "Montana Department of Revenue: 2026 Homestead Reduced Tax Rate FAQs", "source_url": "https://revenue.mt.gov/property/property-tax-changes/homestead-faqs", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 10:51:31" }, { "key": "homestead_protect_declared", "region": "MT", "value": "350000", "unit": "usd", "label": "Montana homestead value limit protected from unsecured creditors, 2021 (rises 4% a year)", "source_name": "Montana Code Annotated 70-32-104", "source_url": "https://archive.legmt.gov/bills/MCA/title_0700/chapter_0320/part_0010/section_0040/0700-0320-0010-0040.html", "as_of": "2021-01-01", "period": null, "note": "The Department of Revenue sets each year's limit by rule, checked Oct 2026", "updated_at": "2026-10-29 10:51:33" }, { "key": "nonhomestead_tax_rate", "region": "MT", "value": "1.9", "unit": "pct", "label": "Montana tax rate for residential property without the homestead reduced rate (share of market value)", "source_name": "Montana Department of Revenue: 2026 Homestead Reduced Tax Rate FAQs", "source_url": "https://revenue.mt.gov/property/property-tax-changes/homestead-faqs", "as_of": "2026-10-29", "period": null, "note": "Owners must apply for the reduced rate on a principal residence, Checked Oct 2026", "updated_at": "2026-10-29 10:51:31" }, { "key": "transfer_tax_rate", "region": "MT", "value": "0", "unit": "pct", "label": "State real estate transfer tax", "source_name": "Montana Constitution, Art. VIII §17", "source_url": "https://mca.legmt.gov/bills/mca/title_0000/article_0080/part_0010/section_0170/0000-0080-0010-0170.html", "as_of": "2026-10-28", "period": null, "note": "The constitution bars state and local transfer taxes", "updated_at": "2026-10-28 21:47:44" }, { "key": "acs_median_income", "region": "NC", "value": "73958", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US37", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±863", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "NC", "value": "1338", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US37", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±14", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "NC", "value": "2044", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US37", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±20", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "NC", "value": "333000", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US37", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±1908", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "NC", "value": "1993", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US37", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "NC", "value": "1747", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US37", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±14", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "NC", "value": "66.8", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US37", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "NC", "value": "0.61", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US37", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "hfa_dpa_forgive_years", "region": "NC", "value": "15", "unit": "years", "label": "NCHFA down payment assistance is fully forgiven after", "source_name": "NC Housing Finance Agency: NC 1st Home Advantage Down Payment", "source_url": "https://www.nchfa.com/home-buyers/home-buyer-mortgage-products/nc-1st-home-advantage-down-payment", "as_of": "2026-10-29", "period": null, "note": "Forgiven 20% a year at the end of years 11-15; checked Oct 2026", "updated_at": "2026-10-29 07:55:49" }, { "key": "hfa_dpa_max", "region": "NC", "value": "15000", "unit": "usd", "label": "NC 1st Home Advantage Down Payment (first-time buyers and military veterans)", "source_name": "NC Housing Finance Agency: NC 1st Home Advantage Down Payment", "source_url": "https://www.nchfa.com/home-buyers/home-buyer-mortgage-products/nc-1st-home-advantage-down-payment", "as_of": "2026-10-29", "period": null, "note": "0% deferred second mortgage; requires an NC Home Advantage Mortgage; checked Oct 2026", "updated_at": "2026-10-29 07:55:49" }, { "key": "hfa_dpa_max_pct", "region": "NC", "value": "3", "unit": "pct", "label": "NC Home Advantage Mortgage down payment assistance, up to (share of the loan amount)", "source_name": "NC Housing Finance Agency: NC Home Advantage Mortgage", "source_url": "https://www.nchfa.com/home-buyers/buy-home/nc-home-advantage-mortgage", "as_of": "2026-10-29", "period": null, "note": "Page body says up to 3% (page metadata says 5%); forgiven 20% a year in years 11-15; checked Oct 2026", "updated_at": "2026-10-29 07:55:49" }, { "key": "hfa_income_limit", "region": "NC", "value": "158000", "unit": "usd", "label": "NC Home Advantage Mortgage income limit", "source_name": "NC Housing Finance Agency: NC Home Advantage Mortgage", "source_url": "https://www.nchfa.com/home-buyers/buy-home/nc-home-advantage-mortgage", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:55:49" }, { "key": "hfa_min_score", "region": "NC", "value": "640", "unit": "score", "label": "NC Home Advantage Mortgage minimum credit score", "source_name": "NC Housing Finance Agency: NC Home Advantage Mortgage", "source_url": "https://www.nchfa.com/home-buyers/buy-home/nc-home-advantage-mortgage", "as_of": "2026-10-29", "period": null, "note": "660 for manufactured homes; checked Oct 2026", "updated_at": "2026-10-29 07:55:49" }, { "key": "homestead_exemption", "region": "NC", "value": "25000", "unit": "usd", "label": "NC elderly or disabled homestead exclusion, at least (of appraised value)", "source_name": "N.C. General Statutes § 105-277.1", "source_url": "https://www.ncleg.gov/EnactedLegislation/Statutes/HTML/BySection/Chapter_105/GS_105-277.1.html", "as_of": "2026-10-29", "period": null, "note": "Greater of $25,000 or 50% of appraised value; owner 65+ or totally and permanently disabled; income limit adjusted yearly; checked Oct 2026", "updated_at": "2026-10-29 07:55:49" }, { "key": "homestead_exemption_pct", "region": "NC", "value": "50", "unit": "pct", "label": "NC elderly or disabled homestead exclusion, share of appraised value (if larger than $25,000)", "source_name": "N.C. General Statutes § 105-277.1", "source_url": "https://www.ncleg.gov/EnactedLegislation/Statutes/HTML/BySection/Chapter_105/GS_105-277.1.html", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:55:49" }, { "key": "transfer_tax_rate", "region": "NC", "value": "0.2", "unit": "pct", "label": "State real estate transfer tax", "source_name": "N.C. Gen. Stat. 105-228.30", "source_url": "https://ncleg.gov/EnactedLegislation/Statutes/HTML/ByArticle/Chapter_105/Article_8E.html", "as_of": "2026-10-28", "period": null, "note": "$1 per $500; paid by the seller", "updated_at": "2026-10-28 21:47:44" }, { "key": "acs_median_income", "region": "ND", "value": "77871", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US38", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±2755", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "ND", "value": "980", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US38", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±30", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "ND", "value": "2550", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US38", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±64", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "ND", "value": "266100", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US38", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±5332", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "ND", "value": "1985", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US38", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "ND", "value": "1814", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US38", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±42", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "ND", "value": "61.2", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US38", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "ND", "value": "0.96", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US38", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "hfa_dpa_max_pct", "region": "ND", "value": "3", "unit": "pct", "label": "NDHFA DCA and Start assistance (share of the first mortgage)", "source_name": "North Dakota Housing Finance Agency: Homeownership", "source_url": "https://www.ndhousing.nd.gov/homeownership", "as_of": "2026-10-29", "period": null, "note": "Credit toward down payment, closing costs and prepaids; cannot be combined with other DPA; checked Oct 2026", "updated_at": "2026-10-29 07:55:49" }, { "key": "hfa_income_limit", "region": "ND", "value": "105730", "unit": "usd", "label": "NDHFA FirstHome and HomeAccess income limit, households of one or two", "source_name": "North Dakota Housing Finance Agency: Income and purchase price limits", "source_url": "https://www.ndhousing.nd.gov/income-and-purchase-price-limits", "as_of": "2026-06-15", "period": null, "note": "$121,590 for households of three or more; all counties", "updated_at": "2026-10-29 07:55:49" }, { "key": "hfa_min_cash", "region": "ND", "value": "500", "unit": "usd", "label": "NDHFA programs: buyer cash investment required", "source_name": "North Dakota Housing Finance Agency: Homeownership", "source_url": "https://www.ndhousing.nd.gov/homeownership", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:55:49" }, { "key": "hfa_price_limit", "region": "ND", "value": "500000", "unit": "usd", "label": "NDHFA FirstHome and HomeAccess purchase price limit, single-family home", "source_name": "North Dakota Housing Finance Agency: Income and purchase price limits", "source_url": "https://www.ndhousing.nd.gov/income-and-purchase-price-limits", "as_of": "2026-06-15", "period": null, "note": "Existing and new single-family homes, all counties", "updated_at": "2026-10-29 07:55:49" }, { "key": "prop_tax_relief_max", "region": "ND", "value": "1600", "unit": "usd", "label": "North Dakota Primary Residence Credit, up to (per year)", "source_name": "North Dakota Office of State Tax Commissioner", "source_url": "https://www.tax.nd.gov/news/tax-commissioner-announces-upcoming-primary-residence-credit-application-period-opening", "as_of": "2026-01-01", "period": null, "note": "No age or income limits; one credit per household; apply each year from January 1 to April 1", "updated_at": "2026-10-29 07:55:49" }, { "key": "transfer_tax_rate", "region": "ND", "value": "0", "unit": "pct", "label": "State real estate transfer tax", "source_name": "National Association of Realtors", "source_url": "https://narfocus.com/publication-issue/view/2023-07-05-state-and-local-issues-real-estate-transfer-tax", "as_of": "2023-07-05", "period": null, "note": "No statewide transfer tax", "updated_at": "2026-10-28 21:47:44" }, { "key": "acs_median_income", "region": "NE", "value": "76376", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US31", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±1384", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "NE", "value": "1102", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US31", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±17", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "NE", "value": "3739", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US31", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±49", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "NE", "value": "263100", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US31", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±3117", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "NE", "value": "1976", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US31", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "NE", "value": "1764", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US31", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±25", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "NE", "value": "66.7", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US31", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "NE", "value": "1.42", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US31", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "hfa_dpa_max_pct", "region": "NE", "value": "5", "unit": "pct", "label": "NIFA Homebuyer Assistance second loan, up to (share of the purchase price)", "source_name": "Nebraska Investment Finance Authority: Homebuyer Assistance", "source_url": "https://www.nifa.org/homebuyers-renters/homebuyer-assistance", "as_of": "2026-10-26", "period": null, "note": "Rates last changed Oct 26, 2026", "updated_at": "2026-10-29 07:49:24" }, { "key": "hfa_dpa_repay_rate", "region": "NE", "value": "1", "unit": "pct", "label": "NIFA Homebuyer Assistance second loan interest rate", "source_name": "Nebraska Investment Finance Authority: Homebuyer Assistance", "source_url": "https://www.nifa.org/homebuyers-renters/homebuyer-assistance", "as_of": "2026-10-26", "period": null, "note": "Rates subject to change", "updated_at": "2026-10-29 07:49:24" }, { "key": "hfa_dpa_repay_years", "region": "NE", "value": "10", "unit": "years", "label": "NIFA Homebuyer Assistance second loan term", "source_name": "Nebraska Investment Finance Authority: Homebuyer Assistance", "source_url": "https://www.nifa.org/homebuyers-renters/homebuyer-assistance", "as_of": "2026-10-26", "period": null, "note": "120 months", "updated_at": "2026-10-29 07:49:24" }, { "key": "transfer_tax_rate", "region": "NE", "value": "0.332", "unit": "pct", "label": "State real estate transfer tax", "source_name": "Nebraska Department of Revenue", "source_url": "https://revenue.nebraska.gov/PAD/documentary-stamp-tax/documentary-stamp-tax-rate-history", "as_of": "2026-07-18", "period": null, "note": "$3.32 per $1,000 from July 18, 2026; paid by the seller", "updated_at": "2026-10-28 21:47:44" }, { "key": "acs_median_income", "region": "NH", "value": "99782", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US33", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±2489", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "NH", "value": "1558", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US33", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±46", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "NH", "value": "6707", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US33", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±88", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "NH", "value": "458800", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US33", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±6138", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "NH", "value": "1980", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US33", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±2", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "NH", "value": "2399", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US33", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±45", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "NH", "value": "72.6", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US33", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "NH", "value": "1.46", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US33", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "hfa_dpa_max", "region": "NH", "value": "15000", "unit": "usd", "label": "NH Housing downpayment and closing cost assistance, up to", "source_name": "New Hampshire Housing: Mortgage Programs", "source_url": "https://www.nhhousing.org/homeownership/build-your-team/mortgage-programs/", "as_of": "2026-09-16", "period": null, "note": "0% second mortgage, no payments, 30-year term, due on sale, refinance or move-out", "updated_at": "2026-10-29 07:49:24" }, { "key": "hfa_dpa_term_years", "region": "NH", "value": "30", "unit": "years", "label": "NH Housing downpayment assistance second mortgage term", "source_name": "New Hampshire Housing: Mortgage Programs", "source_url": "https://www.nhhousing.org/homeownership/build-your-team/mortgage-programs/", "as_of": "2026-09-16", "period": null, "note": null, "updated_at": "2026-10-29 07:49:24" }, { "key": "hfa_firstgen_dpa", "region": "NH", "value": "10000", "unit": "usd", "label": "NH Housing 1stGenHomeNH first-generation homebuyer assistance", "source_name": "New Hampshire Housing: Mortgage Programs", "source_url": "https://www.nhhousing.org/homeownership/build-your-team/mortgage-programs/", "as_of": "2026-09-16", "period": null, "note": "Pilot with limited funding, may be suspended at any time", "updated_at": "2026-10-29 07:49:24" }, { "key": "hfa_income_limit", "region": "NH", "value": "184500", "unit": "usd", "label": "NH Housing Home Flex Plus and Home Preferred income limit, up to", "source_name": "New Hampshire Housing: Mortgage Programs", "source_url": "https://www.nhhousing.org/homeownership/build-your-team/mortgage-programs/", "as_of": "2026-09-16", "period": null, "note": "Home First limits vary by town", "updated_at": "2026-10-29 07:49:24" }, { "key": "transfer_tax_rate", "region": "NH", "value": "1.5", "unit": "pct", "label": "State real estate transfer tax", "source_name": "New Hampshire Department of Revenue Administration", "source_url": "https://www.revenue.nh.gov/taxes-glance/real-estate-transfer-tax", "as_of": "2026-10-28", "period": null, "note": "$0.75 per $100 charged to the buyer and again to the seller", "updated_at": "2026-10-28 21:47:44" }, { "key": "acs_median_income", "region": "NJ", "value": "104294", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US34", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±997", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "NJ", "value": "1800", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US34", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±15", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "NJ", "value": "9358", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US34", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±53", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "NJ", "value": "496000", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US34", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±2982", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "NJ", "value": "1971", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US34", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "NJ", "value": "2797", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US34", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±15", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "NJ", "value": "63.9", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US34", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "NJ", "value": "1.89", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US34", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "hfa_dpa_forgive_years", "region": "NJ", "value": "5", "unit": "years", "label": "NJHMFA down payment assistance is forgiven after", "source_name": "NJHMFA: Homebuyers", "source_url": "https://www.nj.gov/dca/hmfa/homebuyers-and-renters/homebuyers/", "as_of": "2026-10-29", "period": null, "note": "Owner must keep the home as a principal residence and not refinance; checked Oct 2026", "updated_at": "2026-10-29 07:55:49" }, { "key": "hfa_dpa_max", "region": "NJ", "value": "15000", "unit": "usd", "label": "NJHMFA Down Payment Assistance Program, up to (depends on county)", "source_name": "NJHMFA: Homebuyers", "source_url": "https://www.nj.gov/dca/hmfa/homebuyers-and-renters/homebuyers/", "as_of": "2026-10-29", "period": null, "note": "Interest-free second loan forgiven after five years; paired with an NJHMFA first mortgage; checked Oct 2026", "updated_at": "2026-10-29 07:55:49" }, { "key": "hfa_dpa_min", "region": "NJ", "value": "10000", "unit": "usd", "label": "NJHMFA Down Payment Assistance in the nine lower-cost counties", "source_name": "NJHMFA First Generation Homebuyer fact sheet", "source_url": "https://www.nj.gov/dca/hmfa/homebuyers-and-renters/docs/SmartStartPlus_FirstGenerationHomeBuyer_Program_FactSheet.pdf", "as_of": "2023-10-04", "period": null, "note": "$10,000 in Atlantic, Burlington, Camden, Cape May, Cumberland, Gloucester, Salem, Sussex and Warren counties; $15,000 elsewhere", "updated_at": "2026-10-29 07:55:49" }, { "key": "hfa_firstgen_dpa", "region": "NJ", "value": "7000", "unit": "usd", "label": "NJHMFA First Generation Down Payment Assistance, added to the DPA award", "source_name": "NJHMFA First Generation Homebuyer fact sheet", "source_url": "https://www.nj.gov/dca/hmfa/homebuyers-and-renters/docs/SmartStartPlus_FirstGenerationHomeBuyer_Program_FactSheet.pdf", "as_of": "2023-10-04", "period": null, "note": "Total of $17,000 to $22,000 with the base DPA; five-year forgivable", "updated_at": "2026-10-29 07:55:49" }, { "key": "prop_tax_relief_income_limit", "region": "NJ", "value": "250000", "unit": "usd", "label": "ANCHOR homeowner income limit", "source_name": "NJ Division of Taxation: How ANCHOR benefits are calculated", "source_url": "https://www.nj.gov/treasury/taxation/anchor/calculated.shtml", "as_of": "2026-07-16", "period": null, "note": "Homeowners above this income are not eligible", "updated_at": "2026-10-29 07:55:49" }, { "key": "prop_tax_relief_income_tier", "region": "NJ", "value": "150000", "unit": "usd", "label": "ANCHOR: the full homeowner benefit goes to incomes up to", "source_name": "NJ Division of Taxation: How ANCHOR benefits are calculated", "source_url": "https://www.nj.gov/treasury/taxation/anchor/calculated.shtml", "as_of": "2026-07-16", "period": null, "note": null, "updated_at": "2026-10-29 07:55:49" }, { "key": "prop_tax_relief_lower", "region": "NJ", "value": "1000", "unit": "usd", "label": "ANCHOR benefit for homeowners with income above $150,000 up to $250,000", "source_name": "NJ Division of Taxation: How ANCHOR benefits are calculated", "source_url": "https://www.nj.gov/treasury/taxation/anchor/calculated.shtml", "as_of": "2026-07-16", "period": null, "note": null, "updated_at": "2026-10-29 07:55:49" }, { "key": "prop_tax_relief_max", "region": "NJ", "value": "1500", "unit": "usd", "label": "ANCHOR benefit for homeowners with income up to $150,000", "source_name": "NJ Division of Taxation: How ANCHOR benefits are calculated", "source_url": "https://www.nj.gov/treasury/taxation/anchor/calculated.shtml", "as_of": "2026-07-16", "period": null, "note": "Based on 2025 income; seniors file the combined PAS-1 application", "updated_at": "2026-10-29 07:55:49" }, { "key": "transfer_tax_mansion_rate", "region": "NJ", "value": "1", "unit": "pct", "label": "New Jersey Graduated Percent Fee, lowest bracket (share of the whole price, paid by the seller)", "source_name": "NJ Division of Taxation: Property Sale Realty Transfer Fee", "source_url": "https://www.nj.gov/treasury/taxation/realty.shtml", "as_of": "2026-09-28", "period": null, "note": "1% above $1 million to $2 million; legally imposed on the seller since July 10, 2025 (it was a buyer-paid 1% fee before)", "updated_at": "2026-10-29 07:55:49" }, { "key": "transfer_tax_mansion_threshold", "region": "NJ", "value": "1000000", "unit": "usd", "label": "New Jersey Graduated Percent Fee applies when the price is above", "source_name": "NJ Division of Taxation: Property Sale Realty Transfer Fee", "source_url": "https://www.nj.gov/treasury/taxation/realty.shtml", "as_of": "2026-09-28", "period": null, "note": "Applies to deeds submitted on or after July 10, 2025 (P.L. 2025, c.69)", "updated_at": "2026-10-29 07:55:49" }, { "key": "transfer_tax_mansion_top_rate", "region": "NJ", "value": "3.5", "unit": "pct", "label": "New Jersey Graduated Percent Fee, top bracket (prices above $3.5 million)", "source_name": "NJ Division of Taxation: Property Sale Realty Transfer Fee", "source_url": "https://www.nj.gov/treasury/taxation/realty.shtml", "as_of": "2026-09-28", "period": null, "note": "Brackets: 1%, 2%, 2.5%, 3%, 3.5% of the whole price", "updated_at": "2026-10-29 07:55:49" }, { "key": "transfer_tax_rate", "region": "NJ", "value": "0.4", "unit": "pct", "label": "State real estate transfer tax", "source_name": "New Jersey Division of Taxation", "source_url": "https://www.nj.gov/treasury/taxation/lpt/rtffaqs.shtml", "as_of": "2026-10-28", "period": null, "note": "Graduated realty transfer fee paid by the seller, from $2.00 per $500; extra fees on sales above $1 million", "updated_at": "2026-10-28 21:47:44" }, { "key": "transfer_tax_tier_threshold", "region": "NJ", "value": "350000", "unit": "usd", "label": "New Jersey realty transfer fee: the higher rate schedule applies when the price is above", "source_name": "NJ Division of Taxation: Realty Transfer Fee FAQs", "source_url": "https://www.nj.gov/treasury/taxation/lpt/rtffaqs.shtml", "as_of": "2025-10-28", "period": null, "note": "Seller-paid; partial exemption for qualifying seniors, blind and disabled sellers and low- and moderate-income housing", "updated_at": "2026-10-29 07:55:49" }, { "key": "acs_median_income", "region": "NM", "value": "67816", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US35", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±1867", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "NM", "value": "1117", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US35", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±25", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "NM", "value": "1776", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US35", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±45", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "NM", "value": "279900", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US35", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±4338", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "NM", "value": "1985", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US35", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "NM", "value": "1628", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US35", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±31", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "NM", "value": "71.1", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US35", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "NM", "value": "0.63", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US35", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "hfa_dpa_max_pct", "region": "NM", "value": "4", "unit": "pct", "label": "Housing New Mexico FirstDown second mortgage, up to (share of the purchase price)", "source_name": "Housing New Mexico: Programs for Individuals and Families brochure", "source_url": "https://housingnm.org/uploads/documents/%28WEB-READY%29_Programs_for_Individual_and_Families_Brochure_8-25-26.pdf", "as_of": "2026-08-25", "period": null, "note": "Only with a FirstHome first mortgage", "updated_at": "2026-10-29 07:55:49" }, { "key": "hfa_dpa_plus_max", "region": "NM", "value": "10000", "unit": "usd", "label": "Housing New Mexico FirstDown Plus third mortgage", "source_name": "Housing New Mexico: Programs for Individuals and Families brochure", "source_url": "https://housingnm.org/uploads/documents/%28WEB-READY%29_Programs_for_Individual_and_Families_Brochure_8-25-26.pdf", "as_of": "2026-08-25", "period": null, "note": "Only with FirstHome and FirstDown", "updated_at": "2026-10-29 07:55:49" }, { "key": "hfa_min_cash", "region": "NM", "value": "500", "unit": "usd", "label": "Housing New Mexico programs: buyer funds required, as little as", "source_name": "Housing New Mexico: Homebuyers", "source_url": "https://housingnm.org/homebuyers", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:55:49" }, { "key": "hfa_min_score", "region": "NM", "value": "620", "unit": "score", "label": "Housing New Mexico mortgage programs minimum credit score", "source_name": "Housing New Mexico: Mortgage Programs", "source_url": "https://housingnm.org/individuals-and-families/homebuyers/mortgage-programs", "as_of": "2026-10-29", "period": null, "note": "Pre-purchase homebuyer counseling required; checked Oct 2026", "updated_at": "2026-10-29 07:55:49" }, { "key": "homestead_cap", "region": "NM", "value": "3", "unit": "pct", "label": "New Mexico yearly limit on growth in a home's taxable value (reset to market value at sale)", "source_name": "New Mexico Legislative Finance Committee: Property Taxes in New Mexico", "source_url": "https://www.nmlegis.gov/Entity/LFC/Documents/Revenue_Reports/Property%20Taxes%20in%20NM%20brief_FINAL.pdf", "as_of": "2024-05-15", "period": null, "note": "Residential valuation limitation; when a home is sold, the valuation is reset to market value", "updated_at": "2026-10-29 07:55:49" }, { "key": "homestead_exemption", "region": "NM", "value": "2000", "unit": "usd", "label": "New Mexico head-of-household exemption (deducted from taxable value of a primary home)", "source_name": "New Mexico Legislative Finance Committee: Property Taxes in New Mexico", "source_url": "https://www.nmlegis.gov/Entity/LFC/Documents/Revenue_Reports/Property%20Taxes%20in%20NM%20brief_FINAL.pdf", "as_of": "2024-05-15", "period": null, "note": "Taxable value is one-third of assessed value", "updated_at": "2026-10-29 07:55:49" }, { "key": "transfer_tax_rate", "region": "NM", "value": "0", "unit": "pct", "label": "State real estate transfer tax", "source_name": "National Association of Realtors", "source_url": "https://narfocus.com/publication-issue/view/2023-07-05-state-and-local-issues-real-estate-transfer-tax", "as_of": "2023-07-05", "period": null, "note": "No statewide transfer tax", "updated_at": "2026-10-28 21:47:44" }, { "key": "acs_median_income", "region": "NV", "value": "81134", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US32", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±1112", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "NV", "value": "1709", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US32", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±16", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "NV", "value": "2143", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US32", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±48", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "NV", "value": "455500", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US32", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±3836", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "NV", "value": "1997", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US32", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "NV", "value": "2008", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US32", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±31", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "NV", "value": "60.1", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US32", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "NV", "value": "0.47", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US32", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "hfa_dpa_max_pct", "region": "NV", "value": "4", "unit": "pct", "label": "Home Is Possible for First-Time Homebuyers down payment assistance, up to (share of the loan)", "source_name": "Nevada Housing Division: Home Is Possible for First-Time Homebuyers", "source_url": "https://www.homeispossiblenv.org/home-possible-program", "as_of": "2026-10-29", "period": null, "note": "Interest-free, 30-year non-forgivable, Checked Oct 2026", "updated_at": "2026-10-29 07:49:24" }, { "key": "hfa_dpa_max_pct_repeat", "region": "NV", "value": "5", "unit": "pct", "label": "Home Is Possible (buyers who are not first-time) assistance, up to (share of the loan)", "source_name": "Nevada Housing Division: Home Is Possible", "source_url": "https://www.homeispossiblenv.org/", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:49:24" }, { "key": "hfa_min_score", "region": "NV", "value": "640", "unit": "score", "label": "Home Is Possible for First-Time Homebuyers minimum credit score", "source_name": "Nevada Housing Division: Home Is Possible for First-Time Homebuyers", "source_url": "https://www.homeispossiblenv.org/home-possible-program", "as_of": "2026-10-29", "period": null, "note": "660 for manufactured homes, Checked Oct 2026", "updated_at": "2026-10-29 07:49:24" }, { "key": "tax_cap_other", "region": "NV", "value": "8", "unit": "pct", "label": "Nevada property tax abatement: yearly cap on the tax bill of other property, up to", "source_name": "Clark County Assessor: Tax Abatement (NRS 361.4723)", "source_url": "https://www.clarkcountynv.gov/government/assessor/general_information/tax-abatement", "as_of": "2026-10-29", "period": null, "note": "Applies to homes that are not owner-occupied, land and commercial property, Checked Oct 2026", "updated_at": "2026-10-29 07:49:24" }, { "key": "tax_cap_primary", "region": "NV", "value": "3", "unit": "pct", "label": "Nevada property tax abatement: yearly cap on the tax bill of an owner's primary residence", "source_name": "Clark County Assessor: Tax Abatement (NRS 361.4723)", "source_url": "https://www.clarkcountynv.gov/government/assessor/general_information/tax-abatement", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:49:24" }, { "key": "transfer_tax_rate", "region": "NV", "value": "0.39", "unit": "pct", "label": "State real estate transfer tax", "source_name": "Nevada Department of Taxation", "source_url": "https://tax.nv.gov/tax-types/real-property-transfer-tax/", "as_of": "2026-10-28", "period": null, "note": "$1.95 per $500 statewide; Clark County totals $2.55 per $500", "updated_at": "2026-10-28 21:47:44" }, { "key": "acs_median_income", "region": "NY", "value": "85820", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US36", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±653", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "NY", "value": "1634", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US36", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±11", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "NY", "value": "6542", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US36", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±47", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "NY", "value": "449800", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US36", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±3718", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "NY", "value": "1959", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US36", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "NY", "value": "2544", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US36", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±23", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "NY", "value": "54.3", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US36", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "NY", "value": "1.45", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US36", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "hfa_coop_max_ltv", "region": "NY", "value": "95", "unit": "pct", "label": "SONYMA maximum financing on a co-op (share of value)", "source_name": "NY Homes and Community Renewal: SONYMA Preparation and Eligibility", "source_url": "https://hcr.ny.gov/preparation-eligibility", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:55:49" }, { "key": "hfa_dpa_forgive_years", "region": "NY", "value": "10", "unit": "years", "label": "SONYMA DPAL is forgiven after", "source_name": "NY Homes and Community Renewal: SONYMA Down Payment Assistance Loan", "source_url": "https://hcr.ny.gov/down-payment-assistance-loan-dpal", "as_of": "2026-10-29", "period": null, "note": "Repayable amount drops by 1/120 for each month you live in the home; checked Oct 2026", "updated_at": "2026-10-29 07:55:49" }, { "key": "hfa_dpa_max", "region": "NY", "value": "15000", "unit": "usd", "label": "SONYMA Down Payment Assistance Loan (DPAL), up to", "source_name": "NY Homes and Community Renewal: SONYMA Down Payment Assistance Loan", "source_url": "https://hcr.ny.gov/down-payment-assistance-loan-dpal", "as_of": "2026-10-29", "period": null, "note": "Greater of 3% of the price (capped at $15,000) or $3,000; 0%, forgiven after 10 years; checked Oct 2026", "updated_at": "2026-10-29 07:55:49" }, { "key": "hfa_dpa_max_pct", "region": "NY", "value": "3", "unit": "pct", "label": "SONYMA DPAL, share of the purchase price", "source_name": "NY Homes and Community Renewal: SONYMA Down Payment Assistance Loan", "source_url": "https://hcr.ny.gov/down-payment-assistance-loan-dpal", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:55:49" }, { "key": "hfa_dpa_min", "region": "NY", "value": "3000", "unit": "usd", "label": "SONYMA DPAL, at least", "source_name": "NY Homes and Community Renewal: SONYMA Down Payment Assistance Loan", "source_url": "https://hcr.ny.gov/down-payment-assistance-loan-dpal", "as_of": "2026-10-29", "period": null, "note": "Cannot exceed the actual down payment and closing costs; checked Oct 2026", "updated_at": "2026-10-29 07:55:49" }, { "key": "hfa_dpa_plus_income", "region": "NY", "value": "60", "unit": "pct", "label": "SONYMA DPAL Plus income limit (share of area median income)", "source_name": "NY Homes and Community Renewal: SONYMA Down Payment Assistance Loan", "source_url": "https://hcr.ny.gov/down-payment-assistance-loan-dpal", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:55:49" }, { "key": "hfa_dpa_plus_max", "region": "NY", "value": "30000", "unit": "usd", "label": "SONYMA DPAL Plus 2026, up to", "source_name": "NY Homes and Community Renewal: SONYMA Down Payment Assistance Loan", "source_url": "https://hcr.ny.gov/down-payment-assistance-loan-dpal", "as_of": "2026-10-29", "period": null, "note": "Households up to 60% of area median income; first-come, first-served while funds last; checked Oct 2026", "updated_at": "2026-10-29 07:55:49" }, { "key": "hfa_min_cash_pct", "region": "NY", "value": "1", "unit": "pct", "label": "SONYMA minimum cash contribution from the buyer (share of the price)", "source_name": "NY Homes and Community Renewal: SONYMA Preparation and Eligibility", "source_url": "https://hcr.ny.gov/preparation-eligibility", "as_of": "2026-10-29", "period": null, "note": "3% for co-ops and three- and four-family homes; checked Oct 2026", "updated_at": "2026-10-29 07:55:49" }, { "key": "mortgage_tax_rate", "region": "NY", "value": "1", "unit": "pct", "label": "State tax on recording a mortgage", "source_name": "New York Department of Taxation and Finance", "source_url": "https://www.tax.ny.gov/pit/mortgage/mtgidx.htm", "as_of": "2025-12-30", "period": null, "note": "About 1% outside New York City (basic, special additional and additional taxes); rates vary by county and are higher in the city", "updated_at": "2026-10-28 21:47:44" }, { "key": "prop_tax_relief_income_limit", "region": "NY", "value": "500000", "unit": "usd", "label": "Basic STAR credit income limit", "source_name": "NY Department of Taxation and Finance: STAR eligibility", "source_url": "https://www.tax.ny.gov/pit/property/star/eligibility.htm", "as_of": "2026-10-27", "period": null, "note": "$250,000 for the older STAR exemption", "updated_at": "2026-10-29 07:55:49" }, { "key": "prop_tax_senior_income_limit", "region": "NY", "value": "110750", "unit": "usd", "label": "Enhanced STAR income limit for 2026 benefits (one owner 65 or older)", "source_name": "NY Department of Taxation and Finance: STAR eligibility", "source_url": "https://www.tax.ny.gov/pit/property/star/eligibility.htm", "as_of": "2026-10-27", "period": "2026 benefits", "note": null, "updated_at": "2026-10-29 07:55:49" }, { "key": "transfer_tax_mansion_rate", "region": "NY", "value": "1", "unit": "pct", "label": "New York additional (mansion) tax on residences of $1 million or more (paid by the buyer)", "source_name": "NY Department of Taxation and Finance: Real estate transfer tax", "source_url": "https://www.tax.ny.gov/bus/transfer/rptidx.htm", "as_of": "2026-06-01", "period": null, "note": "1% of the whole price; New York City adds its own taxes", "updated_at": "2026-10-29 07:55:49" }, { "key": "transfer_tax_mansion_threshold", "region": "NY", "value": "1000000", "unit": "usd", "label": "New York additional (mansion) tax applies to residences priced at or above", "source_name": "NY Department of Taxation and Finance: Real estate transfer tax", "source_url": "https://www.tax.ny.gov/bus/transfer/rptidx.htm", "as_of": "2026-06-01", "period": null, "note": null, "updated_at": "2026-10-29 07:55:49" }, { "key": "transfer_tax_rate", "region": "NY", "value": "0.4", "unit": "pct", "label": "State real estate transfer tax", "source_name": "New York Department of Taxation and Finance", "source_url": "https://www.tax.ny.gov/bus/transfer/rptidx.htm", "as_of": "2026-06-01", "period": null, "note": "$2 per $500 (seller); buyers add a 1% mansion tax on homes of $1 million or more; New York City adds its own tax", "updated_at": "2026-10-28 21:47:44" }, { "key": "acs_median_income", "region": "OH", "value": "72212", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US39", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±538", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "OH", "value": "1090", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US39", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±9", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "OH", "value": "2937", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US39", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±20", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "OH", "value": "239800", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US39", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±1395", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "OH", "value": "1971", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US39", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "OH", "value": "1563", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US39", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±11", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "OH", "value": "68", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US39", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "OH", "value": "1.22", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US39", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "county_transfer_tax_rate", "region": "OH", "value": "0.3", "unit": "pct", "label": "Ohio county real property transfer tax, maximum (on top of the base conveyance fee)", "source_name": "Ohio Revised Code § 322.02", "source_url": "https://codes.ohio.gov/ohio-revised-code/section-322.02", "as_of": "2025-04-09", "period": null, "note": "Up to 30 cents per $100; levied on and paid by the grantor (seller)", "updated_at": "2026-10-29 07:55:49" }, { "key": "hfa_dpa_forgive_years", "region": "OH", "value": "7", "unit": "years", "label": "OHFA down payment assistance is forgiven after", "source_name": "Ohio Housing Finance Agency: Down Payment Assistance", "source_url": "https://ohiohome.org/partners/fillable/OHFA-DPA_Fillable.pdf", "as_of": "2025-07-01", "period": null, "note": "Sell within that period and the full amount is repaid", "updated_at": "2026-10-29 07:55:49" }, { "key": "hfa_dpa_max_pct", "region": "OH", "value": "3.5", "unit": "pct", "label": "OHFA down payment assistance, government loans (share of the purchase price)", "source_name": "Ohio Housing Finance Agency: Down Payment Assistance", "source_url": "https://ohiohome.org/partners/fillable/OHFA-DPA_Fillable.pdf", "as_of": "2025-07-01", "period": null, "note": "FHA, VA and USDA loans; forgiven after seven years", "updated_at": "2026-10-29 07:55:49" }, { "key": "hfa_dpa_min_pct", "region": "OH", "value": "3", "unit": "pct", "label": "OHFA down payment assistance, conventional loans (share of the purchase price)", "source_name": "Ohio Housing Finance Agency: Down Payment Assistance", "source_url": "https://ohiohome.org/partners/fillable/OHFA-DPA_Fillable.pdf", "as_of": "2025-07-01", "period": null, "note": null, "updated_at": "2026-10-29 07:55:49" }, { "key": "hfa_min_score", "region": "OH", "value": "640", "unit": "score", "label": "OHFA minimum credit score (conventional, USDA and VA loans)", "source_name": "Ohio Housing Finance Agency: Down Payment Assistance", "source_url": "https://ohiohome.org/partners/fillable/OHFA-DPA_Fillable.pdf", "as_of": "2025-07-01", "period": null, "note": "650 for FHA loans; free homebuyer education required", "updated_at": "2026-10-29 07:55:49" }, { "key": "homestead_exemption", "region": "OH", "value": "25000", "unit": "usd", "label": "Ohio homestead exemption for owners 65+ or disabled (market value exempted, before inflation indexing)", "source_name": "Ohio Revised Code § 323.152", "source_url": "https://codes.ohio.gov/ohio-revised-code/section-323.152", "as_of": "2026-09-23", "period": null, "note": "Indexed each year to the GDP deflator; income test for newer applicants; $50,000 for qualifying disabled veterans", "updated_at": "2026-10-29 07:55:49" }, { "key": "transfer_tax_rate", "region": "OH", "value": "0.1", "unit": "pct", "label": "State real estate transfer tax", "source_name": "Ohio Revised Code 322.02", "source_url": "https://codes.ohio.gov/ohio-revised-code/section-322.02", "as_of": "2025-04-09", "period": null, "note": "County conveyance fee of 1 mill in every county; counties may add up to 0.3%", "updated_at": "2026-10-28 21:47:44" }, { "key": "acs_median_income", "region": "OK", "value": "66148", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US40", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±663", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "OK", "value": "1044", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US40", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±10", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "OK", "value": "1672", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US40", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±24", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "OK", "value": "222100", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US40", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±2147", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "OK", "value": "1982", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US40", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "OK", "value": "1606", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US40", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±17", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "OK", "value": "65.7", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US40", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "OK", "value": "0.75", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US40", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "hfa_dpa_max_pct", "region": "OK", "value": "3.5", "unit": "pct", "label": "OHFA down payment and closing cost assistance (share of the total loan amount)", "source_name": "Oklahoma Housing Finance Agency: Homebuyers", "source_url": "https://www.ohfa.org/homebuyers/", "as_of": "2026-10-29", "period": null, "note": "Repayable 0% second lien; checked Oct 2026", "updated_at": "2026-10-29 07:55:49" }, { "key": "hfa_income_limit", "region": "OK", "value": "150000", "unit": "usd", "label": "OHFA homebuyer income limit (DREAM program, government loans, statewide)", "source_name": "Oklahoma Housing Finance Agency: Homeownership FAQ", "source_url": "https://www.ohfa.org/homeownership-faq/", "as_of": "2026-10-29", "period": null, "note": "GOLD program limits vary by county and family size; checked Oct 2026", "updated_at": "2026-10-29 07:55:49" }, { "key": "hfa_max_dti", "region": "OK", "value": "45", "unit": "pct", "label": "OHFA maximum total debt-to-income ratio", "source_name": "Oklahoma Housing Finance Agency: Homeownership FAQ", "source_url": "https://www.ohfa.org/homeownership-faq/", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:55:49" }, { "key": "hfa_min_score", "region": "OK", "value": "640", "unit": "score", "label": "OHFA homebuyer programs minimum credit score", "source_name": "Oklahoma Housing Finance Agency: Homeownership FAQ", "source_url": "https://www.ohfa.org/homeownership-faq/", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:55:49" }, { "key": "hfa_price_limit", "region": "OK", "value": "356362", "unit": "usd", "label": "OHFA DREAM program purchase price limit, government loans (statewide)", "source_name": "Oklahoma Housing Finance Agency: DPA products", "source_url": "https://www.ohfa.org/dpaproducts/", "as_of": "2025-07-31", "period": null, "note": "$453,100 for DREAM conventional loans; GOLD: $349,525 non-targeted, $427,198 targeted areas", "updated_at": "2026-10-29 07:55:49" }, { "key": "homestead_cap", "region": "OK", "value": "3", "unit": "pct", "label": "Oklahoma yearly cap on increases in a homestead's fair cash value (5% for other property)", "source_name": "Wagoner County Assessor: What is the 3%/5% limitation", "source_url": "https://wagonercounty.ok.gov/179/What-is-the-3-5-Limitation-cap", "as_of": "2026-10-29", "period": null, "note": "Cap does not apply in the year title changes hands; checked Oct 2026", "updated_at": "2026-10-29 07:55:49" }, { "key": "homestead_exemption", "region": "OK", "value": "1000", "unit": "usd", "label": "Oklahoma homestead exemption (deducted from the home's gross assessed value)", "source_name": "Wagoner County Assessor: Homestead Exemption", "source_url": "https://www.wagonercounty.ok.gov/172/Homestead-Exemption", "as_of": "2026-10-29", "period": null, "note": "Own and occupy the home on January 1; apply by March 15; checked Oct 2026", "updated_at": "2026-10-29 07:55:49" }, { "key": "mortgage_tax_rate", "region": "OK", "value": "0.1", "unit": "pct", "label": "State tax on recording a mortgage", "source_name": "68 O.S. §1904", "source_url": "https://law.justia.com/codes/oklahoma/title-68/section-68-1904/", "as_of": "2025-11-01", "period": null, "note": "$0.10 per $100 of principal on loans of five years or more", "updated_at": "2026-10-28 21:47:44" }, { "key": "transfer_tax_rate", "region": "OK", "value": "0.15", "unit": "pct", "label": "State real estate transfer tax", "source_name": "68 O.S. §1904", "source_url": "https://law.justia.com/codes/oklahoma/title-68/section-68-1904/", "as_of": "2025-11-01", "period": null, "note": "$0.75 per $500 of consideration", "updated_at": "2026-10-28 21:47:44" }, { "key": "acs_median_income", "region": "OR", "value": "85220", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US41", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±1399", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "OR", "value": "1597", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US41", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±17", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "OR", "value": "3895", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US41", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±40", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "OR", "value": "497500", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US41", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±3618", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "OR", "value": "1982", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US41", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "OR", "value": "2234", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US41", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±20", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "OR", "value": "63.1", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US41", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "OR", "value": "0.78", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US41", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "hfa_dpa_max", "region": "OR", "value": "60000", "unit": "usd", "label": "OHCS Down Payment Assistance through local organizations, up to", "source_name": "Oregon Housing and Community Services: Down Payment Assistance", "source_url": "https://www.oregon.gov/ohcs/homeownership/homebuyers/Pages/down-payment-assistance.aspx", "as_of": "2026-10-29", "period": null, "note": "Up to $60,000 or 20% of the price, whichever is less; first-time or first-generation buyers; checked Oct 2026", "updated_at": "2026-10-29 07:55:49" }, { "key": "hfa_dpa_max_pct", "region": "OR", "value": "5", "unit": "pct", "label": "OHCS Flex Lending FirstHome down payment assistance, up to (share of the loan amount)", "source_name": "Oregon Housing and Community Services: Flex Lending", "source_url": "https://www.oregon.gov/ohcs/homeownership/homebuyers/Pages/default.aspx", "as_of": "2026-10-29", "period": null, "note": "4% or 5% of the loan; checked Oct 2026", "updated_at": "2026-10-29 07:55:49" }, { "key": "hfa_dpa_max_price_pct", "region": "OR", "value": "20", "unit": "pct", "label": "OHCS Down Payment Assistance cap as a share of the purchase price (if lower than the dollar cap)", "source_name": "Oregon Housing and Community Services: Down Payment Assistance", "source_url": "https://www.oregon.gov/ohcs/homeownership/homebuyers/Pages/down-payment-assistance.aspx", "as_of": "2026-10-29", "period": null, "note": "Up to $60,000 or 20% of the price, whichever is less; checked Oct 2026", "updated_at": "2026-10-29 07:55:49" }, { "key": "hfa_income_limit", "region": "OR", "value": "100", "unit": "pct", "label": "OHCS down payment assistance income limit (share of area median income)", "source_name": "Oregon Housing and Community Services: Down Payment Assistance", "source_url": "https://www.oregon.gov/ohcs/homeownership/homebuyers/Pages/down-payment-assistance.aspx", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:55:49" }, { "key": "homestead_cap", "region": "OR", "value": "3", "unit": "pct", "label": "Oregon yearly limit on growth in a property's maximum assessed value (Measure 50)", "source_name": "Oregon Department of Revenue: Oregon Property Tax Statistics FY 2025-26", "source_url": "https://www.oregon.gov/dor/programs/gov-research/Documents/FY%202025-26%20Oregon%20Property%20Tax%20Statistics%20Report-UA.pdf", "as_of": "2026-10-29", "period": "FY 2025-26", "note": "Checked Oct 2026. Applies to all existing property, not only homesteads; assessed value is the lower of maximum assessed value and real market value", "updated_at": "2026-10-29 07:55:49" }, { "key": "prop_tax_av_ratio", "region": "OR", "value": "53.6", "unit": "pct", "label": "Oregon statewide ratio of assessed value to real market value", "source_name": "Oregon Department of Revenue: Oregon Property Tax Statistics FY 2025-26", "source_url": "https://www.oregon.gov/dor/programs/gov-research/Documents/FY%202025-26%20Oregon%20Property%20Tax%20Statistics%20Report-UA.pdf", "as_of": "2026-10-29", "period": "FY 2025-26", "note": "Checked Oct 2026. 0.536 in FY 2025-26, up from 0.526", "updated_at": "2026-10-29 07:55:49" }, { "key": "transfer_tax_rate", "region": "OR", "value": "0", "unit": "pct", "label": "State real estate transfer tax", "source_name": "ORS 306.815", "source_url": "https://www.oregonlegislature.gov/bills_laws/ors/ors306.html", "as_of": "2026-10-28", "period": null, "note": "No state tax; Washington County charges $1 per $1,000", "updated_at": "2026-10-28 21:47:44" }, { "key": "acs_median_income", "region": "PA", "value": "77545", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US42", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±816", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "PA", "value": "1252", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US42", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±12", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "PA", "value": "3214", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US42", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±26", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "PA", "value": "277600", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US42", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±1517", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "PA", "value": "1966", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US42", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "PA", "value": "1775", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US42", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±12", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "PA", "value": "69.3", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US42", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "PA", "value": "1.16", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US42", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "hfa_dpa_forgive_years", "region": "PA", "value": "10", "unit": "years", "label": "PHFA K-FIT assistance is forgiven over", "source_name": "PHFA: Purchase Assistance", "source_url": "https://www.phfa.org/programs/assistance.aspx", "as_of": "2026-10-29", "period": null, "note": "10% a year; checked Oct 2026", "updated_at": "2026-10-29 07:55:49" }, { "key": "hfa_dpa_max", "region": "PA", "value": "6000", "unit": "usd", "label": "PHFA Keystone Advantage Assistance Loan, up to", "source_name": "PHFA: Purchase Assistance", "source_url": "https://www.phfa.org/programs/assistance.aspx", "as_of": "2026-10-29", "period": null, "note": "Lesser of 4% of price or $6,000; 0% second loan repaid monthly over 10 years; checked Oct 2026", "updated_at": "2026-10-29 07:55:49" }, { "key": "hfa_dpa_max_pct", "region": "PA", "value": "5", "unit": "pct", "label": "PHFA Keystone Forgivable in Ten Years (K-FIT), share of the price or appraised value", "source_name": "PHFA: Purchase Assistance", "source_url": "https://www.phfa.org/programs/assistance.aspx", "as_of": "2026-10-29", "period": null, "note": "No dollar cap; forgiven 10% a year; paired with a Keystone Home Loan; checked Oct 2026", "updated_at": "2026-10-29 07:55:49" }, { "key": "hfa_dpa_repay_years", "region": "PA", "value": "10", "unit": "years", "label": "PHFA Keystone Advantage Assistance Loan repayment term (0% interest)", "source_name": "PHFA: Purchase Assistance", "source_url": "https://www.phfa.org/programs/assistance.aspx", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:55:49" }, { "key": "hfa_min_score", "region": "PA", "value": "660", "unit": "score", "label": "PHFA Keystone Advantage, K-FIT and K-DATE minimum credit score", "source_name": "PHFA: Purchase Assistance", "source_url": "https://www.phfa.org/programs/assistance.aspx", "as_of": "2026-10-29", "period": null, "note": "Liquid assets after closing may not exceed $50,000; checked Oct 2026", "updated_at": "2026-10-29 07:55:49" }, { "key": "prop_tax_relief_income_limit", "region": "PA", "value": "48110", "unit": "usd", "label": "Pennsylvania Property Tax/Rent Rebate household income limit", "source_name": "PA Department of Revenue: Property Tax/Rent Rebate Program", "source_url": "https://www.pa.gov/agencies/revenue/ptrr", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:55:49" }, { "key": "prop_tax_relief_max", "region": "PA", "value": "1000", "unit": "usd", "label": "Pennsylvania Property Tax/Rent Rebate, standard rebate up to", "source_name": "PA Department of Revenue: Property Tax/Rent Rebate Program", "source_url": "https://www.pa.gov/agencies/revenue/ptrr", "as_of": "2026-10-29", "period": null, "note": "Age 65+, widows and widowers 50+, people with disabilities 18+; 2025 rebates, apply by December 31, 2026", "updated_at": "2026-10-29 07:55:49" }, { "key": "transfer_tax_rate", "region": "PA", "value": "1", "unit": "pct", "label": "State real estate transfer tax", "source_name": "Pennsylvania Department of Revenue", "source_url": "https://www.pa.gov/agencies/revenue/resources/tax-types-and-information/realty-transfer-tax", "as_of": "2026-10-28", "period": null, "note": "1% state tax; local governments usually add their own", "updated_at": "2026-10-28 21:47:44" }, { "key": "acs_median_income", "region": "PL0455000", "value": "85246", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=160XX00US0455000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±2218", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_rent", "region": "PL0455000", "value": "1712", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=160XX00US0455000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±33", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_taxes", "region": "PL0455000", "value": "1816", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=160XX00US0455000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±54", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_value", "region": "PL0455000", "value": "454900", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=160XX00US0455000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±6467", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_year_built", "region": "PL0455000", "value": "1986", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=160XX00US0455000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "PL0455000", "value": "1934", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=160XX00US0455000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±42", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "PL0455000", "value": "57.6", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=160XX00US0455000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "PL0455000", "value": "0.4", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=160XX00US0455000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "city_dpa_max_pct", "region": "PL0455000", "value": "10", "unit": "pct", "label": "City of Phoenix Open Doors down payment assistance, up to (share of the purchase price)", "source_name": "City of Phoenix Housing Department: Open Doors fact sheet", "source_url": "https://web-prod.phoenix.gov/content/dam/phoenix/housingsite/documents/homeownership/Open_Doors_Fact_Sheet_Eng.pdf", "as_of": "2026-08-25", "period": null, "note": "Based on need; reservations for funding are limited", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_hbe_hours", "region": "PL0455000", "value": "8", "unit": "count", "label": "Hours of pre-purchase homebuyer education required for Open Doors", "source_name": "City of Phoenix Housing Department: Open Doors fact sheet", "source_url": "https://web-prod.phoenix.gov/content/dam/phoenix/housingsite/documents/homeownership/Open_Doors_Fact_Sheet_Eng.pdf", "as_of": "2026-08-25", "period": null, "note": "Plus housing counseling", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_income_limit", "region": "PL0455000", "value": "80", "unit": "pct", "label": "Open Doors income limit (share of area median income)", "source_name": "City of Phoenix Housing Department: Open Doors fact sheet", "source_url": "https://web-prod.phoenix.gov/content/dam/phoenix/housingsite/documents/homeownership/Open_Doors_Fact_Sheet_Eng.pdf", "as_of": "2026-08-25", "period": null, "note": null, "updated_at": "2026-10-29 07:55:43" }, { "key": "city_min_cash", "region": "PL0455000", "value": "1000", "unit": "usd", "label": "Open Doors minimum investment from the buyer", "source_name": "City of Phoenix Housing Department: Open Doors fact sheet", "source_url": "https://web-prod.phoenix.gov/content/dam/phoenix/housingsite/documents/homeownership/Open_Doors_Fact_Sheet_Eng.pdf", "as_of": "2026-08-25", "period": null, "note": "Or the first-mortgage lender’s requirement, if greater", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_occupancy_years", "region": "PL0455000", "value": "15", "unit": "years", "label": "Open Doors period of affordability, up to (depends on the loan amount)", "source_name": "City of Phoenix Housing Department: Homeownership Opportunities", "source_url": "https://www.phoenix.gov/administration/departments/housing/housing-options/homeownership-opportunities.html", "as_of": "2026-10-29", "period": null, "note": "0% deferred loan, fully forgiven after the period of affordability; checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_price_limit", "region": "PL0455000", "value": "470250", "unit": "usd", "label": "Open Doors maximum purchase price", "source_name": "City of Phoenix Housing Department: Open Doors fact sheet", "source_url": "https://web-prod.phoenix.gov/content/dam/phoenix/housingsite/documents/homeownership/Open_Doors_Fact_Sheet_Eng.pdf", "as_of": "2026-08-25", "period": null, "note": "95% of the HUD median area purchase price", "updated_at": "2026-10-29 07:55:43" }, { "key": "acs_median_income", "region": "PL0644000", "value": "82263", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=160XX00US0644000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±1125", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_rent", "region": "PL0644000", "value": "1958", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=160XX00US0644000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±21", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_taxes", "region": "PL0644000", "value": "6146", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=160XX00US0644000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±120", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_value", "region": "PL0644000", "value": "947900", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=160XX00US0644000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±10150", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_year_built", "region": "PL0644000", "value": "1965", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=160XX00US0644000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "PL0644000", "value": "3523", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=160XX00US0644000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±69", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "PL0644000", "value": "35.9", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=160XX00US0644000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "PL0644000", "value": "0.65", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=160XX00US0644000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "city_dpa_max", "region": "PL0644000", "value": "161000", "unit": "usd", "label": "LAHD Low Income Purchase Assistance (LIPA), up to", "source_name": "Los Angeles Housing Department: Programs for First Time Homebuyers (2026)", "source_url": "https://housing.lacity.gov/wp-content/uploads/2023/04/Eng-FTHB-Booklet.pdf", "as_of": "2026-10-29", "period": "2026 booklet", "note": "0% deferred loan with shared appreciation; LAHD uses a modified loan reservation process due to limited resources; checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_dpa_max_tier2", "region": "PL0644000", "value": "115000", "unit": "usd", "label": "LAHD Moderate Income Purchase Assistance (MIPA), up to", "source_name": "Los Angeles Housing Department: Programs for First Time Homebuyers (2026)", "source_url": "https://housing.lacity.gov/wp-content/uploads/2023/04/Eng-FTHB-Booklet.pdf", "as_of": "2026-10-29", "period": "2026 booklet", "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_hbe_hours", "region": "PL0644000", "value": "8", "unit": "count", "label": "Hours of homebuyer education required for LIPA and MIPA", "source_name": "Los Angeles Housing Department: Programs for First Time Homebuyers (2026)", "source_url": "https://housing.lacity.gov/wp-content/uploads/2023/04/Eng-FTHB-Booklet.pdf", "as_of": "2026-10-29", "period": "2026 booklet", "note": "Plus housing counseling; checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_income_limit_1p", "region": "PL0644000", "value": "93300", "unit": "usd", "label": "LIPA income limit, one-person household", "source_name": "Los Angeles Housing Department: Programs for First Time Homebuyers (2026)", "source_url": "https://housing.lacity.gov/wp-content/uploads/2023/04/Eng-FTHB-Booklet.pdf", "as_of": "2026-10-29", "period": "2026 booklet", "note": "$175,900 for eight people; checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_income_limit_1p_tier2", "region": "PL0644000", "value": "128300", "unit": "usd", "label": "MIPA income limit, one-person household", "source_name": "Los Angeles Housing Department: Programs for First Time Homebuyers (2026)", "source_url": "https://housing.lacity.gov/wp-content/uploads/2023/04/Eng-FTHB-Booklet.pdf", "as_of": "2026-10-29", "period": "2026 booklet", "note": "MIPA range $93,301–$128,300 for one person; checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_min_cash_pct", "region": "PL0644000", "value": "1", "unit": "pct", "label": "LIPA and MIPA: buyer’s minimum down payment (share of the purchase price)", "source_name": "Los Angeles Housing Department: Programs for First Time Homebuyers (2026)", "source_url": "https://housing.lacity.gov/wp-content/uploads/2023/04/Eng-FTHB-Booklet.pdf", "as_of": "2026-10-29", "period": "2026 booklet", "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_price_limit", "region": "PL0644000", "value": "956465", "unit": "usd", "label": "LIPA and MIPA maximum home purchase price", "source_name": "Los Angeles Housing Department: Programs for First Time Homebuyers (2026)", "source_url": "https://housing.lacity.gov/wp-content/uploads/2023/04/Eng-FTHB-Booklet.pdf", "as_of": "2026-10-29", "period": "2026 booklet", "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_transfer_tax_rate", "region": "PL0644000", "value": "0.45", "unit": "pct", "label": "City of Los Angeles real property transfer tax, base rate ($2.25 per $500)", "source_name": "City of Los Angeles Office of Finance: Real Property Transfer Tax and Measure ULA FAQ", "source_url": "https://finance.lacity.gov/faq/measure-ula", "as_of": "2026-07-01", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_transfer_tax_rate_high", "region": "PL0644000", "value": "4", "unit": "pct", "label": "Measure ULA tax on sales above $5.4 million and under $10.9 million, on top of the base tax", "source_name": "City of Los Angeles Office of Finance: Real Property Transfer Tax and Measure ULA FAQ", "source_url": "https://finance.lacity.gov/faq/measure-ula", "as_of": "2026-07-01", "period": null, "note": "Applied to the whole price; combined rate 4.45%", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_transfer_tax_rate_top", "region": "PL0644000", "value": "5.5", "unit": "pct", "label": "Measure ULA tax on sales of $10.9 million or more, on top of the base tax", "source_name": "City of Los Angeles Office of Finance: Real Property Transfer Tax and Measure ULA FAQ", "source_url": "https://finance.lacity.gov/faq/measure-ula", "as_of": "2026-07-01", "period": null, "note": "Applied to the whole price; combined rate 5.95%", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_transfer_tax_tier", "region": "PL0644000", "value": "5400000", "unit": "usd", "label": "Measure ULA tax applies to City of Los Angeles sales above", "source_name": "City of Los Angeles Office of Finance: Real Property Transfer Tax and Measure ULA FAQ", "source_url": "https://finance.lacity.gov/faq/measure-ula", "as_of": "2026-07-01", "period": null, "note": "For transactions closing after June 30, 2026; thresholds adjusted annually by the chained CPI", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_transfer_tax_tier2", "region": "PL0644000", "value": "10900000", "unit": "usd", "label": "Measure ULA top rate applies to City of Los Angeles sales at or above", "source_name": "City of Los Angeles Office of Finance: Real Property Transfer Tax and Measure ULA FAQ", "source_url": "https://finance.lacity.gov/faq/measure-ula", "as_of": "2026-07-01", "period": null, "note": "For transactions closing after June 30, 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "county_conforming_limit", "region": "PL0644000", "value": "1249125", "unit": "usd", "label": "Conforming loan limit, Los Angeles County (one unit)", "source_name": "FHFA: Conforming Loan Limit Values", "source_url": "https://www.fhfa.gov/data/conforming-loan-limit", "as_of": "2026-10-29", "period": "2026", "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "acs_median_income", "region": "PL0666000", "value": "111032", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=160XX00US0666000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±2696", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_rent", "region": "PL0666000", "value": "2414", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=160XX00US0666000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±34", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_taxes", "region": "PL0666000", "value": "6111", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=160XX00US0666000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±161", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_value", "region": "PL0666000", "value": "980700", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=160XX00US0666000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±16456", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_year_built", "region": "PL0666000", "value": "1980", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=160XX00US0666000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "PL0666000", "value": "3333", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=160XX00US0666000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±89", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "PL0666000", "value": "46.5", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=160XX00US0666000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "PL0666000", "value": "0.62", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=160XX00US0666000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "city_closing_grant", "region": "PL0666000", "value": "10000", "unit": "usd", "label": "San Diego Housing Commission middle-income closing-cost grant", "source_name": "San Diego Housing Commission: First-Time Homebuyer", "source_url": "https://www.sdhc.org/housing-opportunities/first-time-homebuyer/", "as_of": "2026-02-01", "period": null, "note": "Forgiven after 3 years if the home remains owner-occupied", "updated_at": "2026-10-29 07:48:06" }, { "key": "city_closing_grant_forgive_years", "region": "PL0666000", "value": "3", "unit": "years", "label": "San Diego Housing Commission middle-income closing-cost grant forgiven after", "source_name": "San Diego Housing Commission: First-Time Homebuyer", "source_url": "https://www.sdhc.org/housing-opportunities/first-time-homebuyer/", "as_of": "2026-02-01", "period": null, "note": "If the home remains owner-occupied", "updated_at": "2026-10-29 07:48:06" }, { "key": "city_dpa_defer_years", "region": "PL0666000", "value": "5", "unit": "years", "label": "San Diego Housing Commission middle-income loan, no monthly payments for", "source_name": "San Diego Housing Commission: First-Time Homebuyer", "source_url": "https://www.sdhc.org/housing-opportunities/first-time-homebuyer/", "as_of": "2026-02-01", "period": null, "note": "From year 6 the balance converts to a 120-month amortizing loan", "updated_at": "2026-10-29 07:48:06" }, { "key": "city_dpa_max", "region": "PL0666000", "value": "40000", "unit": "usd", "label": "San Diego Housing Commission middle-income down-payment loan", "source_name": "San Diego Housing Commission: First-Time Homebuyer", "source_url": "https://www.sdhc.org/housing-opportunities/first-time-homebuyer/", "as_of": "2026-02-01", "period": null, "note": "Funds available as of Feb 1, 2026; the low-income (under 80% AMI) program showed no funding available", "updated_at": "2026-10-29 07:48:06" }, { "key": "city_dpa_rate", "region": "PL0666000", "value": "4", "unit": "pct", "label": "San Diego Housing Commission middle-income loan interest rate (simple interest)", "source_name": "San Diego Housing Commission: First-Time Homebuyer", "source_url": "https://www.sdhc.org/housing-opportunities/first-time-homebuyer/", "as_of": "2026-02-01", "period": null, "note": null, "updated_at": "2026-10-29 07:48:06" }, { "key": "city_dpa_repay_months", "region": "PL0666000", "value": "120", "unit": "months", "label": "San Diego Housing Commission middle-income loan repayment period after the payment-free years", "source_name": "San Diego Housing Commission: First-Time Homebuyer", "source_url": "https://www.sdhc.org/housing-opportunities/first-time-homebuyer/", "as_of": "2026-02-01", "period": null, "note": "Fixed monthly payments from year 6; no prepayment penalty", "updated_at": "2026-10-29 07:48:06" }, { "key": "city_income_limit", "region": "PL0666000", "value": "150", "unit": "pct", "label": "San Diego Housing Commission middle-income program income limit (share of area median income)", "source_name": "San Diego Housing Commission: First-Time Homebuyer", "source_url": "https://www.sdhc.org/housing-opportunities/first-time-homebuyer/", "as_of": "2026-02-01", "period": null, "note": "Program serves 80–150% of AMI", "updated_at": "2026-10-29 07:48:06" }, { "key": "city_price_limit", "region": "PL0666000", "value": "1250000", "unit": "usd", "label": "San Diego Housing Commission middle-income program maximum purchase price", "source_name": "San Diego Housing Commission: First-Time Homebuyer", "source_url": "https://www.sdhc.org/housing-opportunities/first-time-homebuyer/", "as_of": "2026-02-01", "period": null, "note": null, "updated_at": "2026-10-29 07:48:06" }, { "key": "county_conforming_limit", "region": "PL0666000", "value": "1104000", "unit": "usd", "label": "Conforming loan limit, San Diego County (one unit)", "source_name": "FHFA: Conforming Loan Limit Values", "source_url": "https://www.fhfa.gov/data/conforming-loan-limit", "as_of": "2026-10-29", "period": "2026", "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:48:06" }, { "key": "county_transfer_tax_rate", "region": "PL0666000", "value": "0.11", "unit": "pct", "label": "San Diego County documentary transfer tax ($0.55 per $500 of value)", "source_name": "San Diego County Assessor/Recorder/County Clerk: Recording", "source_url": "https://www.sdarcc.gov/content/arcc/home/divisions/recorder-clerk/recording.html", "as_of": "2026-10-29", "period": null, "note": "Collected for the county and cities on transfers over $100; checked Oct 2026", "updated_at": "2026-10-29 07:48:06" }, { "key": "acs_median_income", "region": "PL0820000", "value": "92504", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=160XX00US0820000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±3897", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_rent", "region": "PL0820000", "value": "1870", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=160XX00US0820000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±35", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_taxes", "region": "PL0820000", "value": "3071", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=160XX00US0820000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±114", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_value", "region": "PL0820000", "value": "636400", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=160XX00US0820000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±12623", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_year_built", "region": "PL0820000", "value": "1979", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=160XX00US0820000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±2", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "PL0820000", "value": "2591", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=160XX00US0820000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±93", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "PL0820000", "value": "48.1", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=160XX00US0820000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "PL0820000", "value": "0.48", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=160XX00US0820000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "city_dpa_term_years", "region": "PL0820000", "value": "30", "unit": "years", "label": "metroDPA deferred second mortgage term (no interest, no scheduled payments)", "source_name": "City and County of Denver: metroDPA", "source_url": "https://www.denvergov.org/Government/Agencies-Departments-Offices/Agencies-Departments-Offices-Directory/Department-of-Housing-Stability/Resident-Resources/Affordable-Home-Ownership/metroDPA", "as_of": "2026-10-29", "period": null, "note": "Repaid on sale or refinance, or if the home stops being your primary residence; checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_gift_max_pct", "region": "PL0820000", "value": "20", "unit": "pct", "label": "Denver income-restricted homes: financial gifts limited to (share of the purchase price)", "source_name": "City and County of Denver: Affordable Home Ownership", "source_url": "https://www.denvergov.org/Government/Agencies-Departments-Offices/Agencies-Departments-Offices-Directory/Department-of-Housing-Stability/Resident-Resources/Affordable-Home-Ownership", "as_of": "2026-10-29", "period": null, "note": "Personal assets may not exceed 1.5 times the home’s maximum initial sales price; checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_income_limit", "region": "PL0820000", "value": "120", "unit": "pct", "label": "Denver income-restricted for-sale homes: maximum income, up to (share of area median income; 80%–120% depending on the home)", "source_name": "City and County of Denver: Affordable Home Ownership", "source_url": "https://www.denvergov.org/Government/Agencies-Departments-Offices/Agencies-Departments-Offices-Directory/Department-of-Housing-Stability/Resident-Resources/Affordable-Home-Ownership", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_income_limit_min", "region": "PL0820000", "value": "50", "unit": "pct", "label": "Denver income-restricted for-sale homes: minimum income (share of area median income)", "source_name": "City and County of Denver: Affordable Home Ownership", "source_url": "https://www.denvergov.org/Government/Agencies-Departments-Offices/Agencies-Departments-Offices-Directory/Department-of-Housing-Stability/Resident-Resources/Affordable-Home-Ownership", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_min_score", "region": "PL0820000", "value": "640", "unit": "score", "label": "metroDPA (City and County of Denver): credit score must be above", "source_name": "City and County of Denver: metroDPA", "source_url": "https://www.denvergov.org/Government/Agencies-Departments-Offices/Agencies-Departments-Offices-Directory/Department-of-Housing-Stability/Resident-Resources/Affordable-Home-Ownership/metroDPA", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "county_conforming_limit", "region": "PL0820000", "value": "862500", "unit": "usd", "label": "Conforming loan limit, Denver County (one unit)", "source_name": "FHFA: Conforming Loan Limit Values", "source_url": "https://www.fhfa.gov/data/conforming-loan-limit", "as_of": "2026-10-29", "period": "2026", "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "acs_median_income", "region": "PL1150000", "value": "109707", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=160XX00US1150000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±4149", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_rent", "region": "PL1150000", "value": "1931", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=160XX00US1150000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±43", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_taxes", "region": "PL1150000", "value": "4594", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=160XX00US1150000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±245", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_value", "region": "PL1150000", "value": "733400", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=160XX00US1150000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±25632", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_year_built", "region": "PL1150000", "value": "1960", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=160XX00US1150000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±2", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "PL1150000", "value": "3181", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=160XX00US1150000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±130", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "PL1150000", "value": "40.9", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=160XX00US1150000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "PL1150000", "value": "0.63", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=160XX00US1150000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "county_conforming_limit", "region": "PL1150000", "value": "1249125", "unit": "usd", "label": "Conforming loan limit, District of Columbia (one unit)", "source_name": "FHFA: Conforming Loan Limit Values", "source_url": "https://www.fhfa.gov/data/conforming-loan-limit", "as_of": "2026-10-29", "period": "2026", "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:48:06" }, { "key": "acs_median_income", "region": "PL1245000", "value": "66337", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=160XX00US1245000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±3795", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_rent", "region": "PL1245000", "value": "1975", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=160XX00US1245000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±67", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_taxes", "region": "PL1245000", "value": "5120", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=160XX00US1245000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±353", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_value", "region": "PL1245000", "value": "598200", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=160XX00US1245000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±34998", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_year_built", "region": "PL1245000", "value": "1984", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=160XX00US1245000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±2", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "PL1245000", "value": "2893", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=160XX00US1245000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±167", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "PL1245000", "value": "32.7", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=160XX00US1245000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "PL1245000", "value": "0.86", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=160XX00US1245000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "citizens_flood_all_date", "region": "PL1245000", "value": "January 1, 2027", "unit": "text", "label": "Citizens Property Insurance: date by which most new and renewing Personal Residential policies with wind coverage must also carry flood insurance", "source_name": "Citizens Property Insurance Corporation: Flood insurance requirement", "source_url": "https://www.citizensfla.com/flood", "as_of": "2026-10-29", "period": null, "note": "Phase-in created by the Florida Legislature in December 2022; checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "citizens_flood_value", "region": "PL1245000", "value": "400000", "unit": "usd", "label": "Citizens Property Insurance: homes outside a Special Flood Hazard Area with dwelling coverage at or above this amount must carry flood insurance (from Jan 1, 2026)", "source_name": "Citizens Property Insurance Corporation: Flood insurance requirement", "source_url": "https://www.citizensfla.com/flood", "as_of": "2026-01-01", "period": null, "note": "Applies to Personal Residential policies with wind coverage; all such policies by January 1, 2027; condo unit-owner and tenant policies exempt", "updated_at": "2026-10-29 07:55:43" }, { "key": "county_dpa_max", "region": "PL1245000", "value": "35000", "unit": "usd", "label": "Miami-Dade County Homebuyer Down Payment Assistance Program, up to", "source_name": "Miami-Dade County: Homebuyer Down Payment Assistance Program", "source_url": "https://www.miamidade.gov/global/housing/downpayment-assistance.page", "as_of": "2026-10-29", "period": null, "note": "Deferred 0% loan; applicant must be a Miami-Dade County resident; checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "county_dpa_share_years", "region": "PL1245000", "value": "6", "unit": "years", "label": "Miami-Dade down payment assistance: no share of resale profit owed to the County after", "source_name": "Miami-Dade County: Homebuyer Down Payment Assistance Program", "source_url": "https://www.miamidade.gov/global/housing/downpayment-assistance.page", "as_of": "2026-10-29", "period": null, "note": "County share of resale profit: 100% if sold in years 1–3, 50% in years 4–6; checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "county_dpa_term_years", "region": "PL1245000", "value": "30", "unit": "years", "label": "Miami-Dade down payment assistance: deferred, no-interest loan term, up to", "source_name": "Miami-Dade County: Homebuyer Down Payment Assistance Program", "source_url": "https://www.miamidade.gov/global/housing/downpayment-assistance.page", "as_of": "2026-10-29", "period": null, "note": "Unpaid principal due at maturity; checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "county_income_limit_1p", "region": "PL1245000", "value": "95620", "unit": "usd", "label": "Miami-Dade down payment assistance income limit, one-person household (less than)", "source_name": "Miami-Dade County: Homebuyer Down Payment Assistance Program", "source_url": "https://www.miamidade.gov/global/housing/downpayment-assistance.page", "as_of": "2026-10-29", "period": null, "note": "$136,500 for four people; checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "county_min_cash_pct", "region": "PL1245000", "value": "1", "unit": "pct", "label": "Miami-Dade down payment assistance: buyer’s own funds, at least (share of the purchase price)", "source_name": "Miami-Dade County: Homebuyer Down Payment Assistance Program", "source_url": "https://www.miamidade.gov/global/housing/downpayment-assistance.page", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "county_transfer_surtax_rate", "region": "PL1245000", "value": "0.45", "unit": "pct", "label": "Miami-Dade discretionary surtax on deeds ($0.45 per $100) for property other than a single-family residence", "source_name": "Florida Statutes §125.0167", "source_url": "https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0100-0199/0125/Sections/0125.0167.html", "as_of": "2026-10-29", "period": null, "note": "A single-family residence may be a condominium unit, a co-op unit or a detached dwelling; checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "county_transfer_tax_rate", "region": "PL1245000", "value": "0.6", "unit": "pct", "label": "Florida documentary stamp tax on deeds in Miami-Dade County ($0.60 per $100), single-family residences including condo units", "source_name": "Florida Department of Revenue: Documentary Stamp Tax (GT-800014)", "source_url": "https://floridarevenue.com/Forms_library/current/gt800014.pdf", "as_of": "2026-10-29", "period": "Form GT-800014 (R. 12/17)", "note": "Replaces the $0.70 statewide deed rate in Miami-Dade; checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "acs_median_income", "region": "PL1271000", "value": "84114", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=160XX00US1271000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±6239", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_rent", "region": "PL1271000", "value": "1898", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=160XX00US1271000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±71", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_taxes", "region": "PL1271000", "value": "4031", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=160XX00US1271000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±296", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_value", "region": "PL1271000", "value": "494400", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=160XX00US1271000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±22067", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_year_built", "region": "PL1271000", "value": "1987", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=160XX00US1271000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±2", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "PL1271000", "value": "2456", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=160XX00US1271000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±102", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "PL1271000", "value": "50", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=160XX00US1271000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "PL1271000", "value": "0.82", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=160XX00US1271000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "city_dpa_forgive_years", "region": "PL1271000", "value": "20", "unit": "years", "label": "Dare to Own the Dream 0% deferred loan fully forgiven after", "source_name": "City of Tampa: Dare to Own the Dream flyer (2026)", "source_url": "https://www.tampa.gov/sites/default/files/document/2026/2026-dare-to-own-the-dream-flyer-05-07-2026-ada.pdf", "as_of": "2026-05-07", "period": null, "note": "If still owner-occupied", "updated_at": "2026-10-29 07:48:06" }, { "key": "city_dpa_max", "region": "PL1271000", "value": "50000", "unit": "usd", "label": "City of Tampa Dare to Own the Dream assistance (50.01–80% of area median income), up to", "source_name": "City of Tampa: Dare to Own the Dream flyer (2026)", "source_url": "https://www.tampa.gov/sites/default/files/document/2026/2026-dare-to-own-the-dream-flyer-05-07-2026-ada.pdf", "as_of": "2026-05-07", "period": null, "note": "Assistance amounts effective Nov 15, 2024; income tiers below 50% of AMI not eligible from May 1, 2026", "updated_at": "2026-10-29 07:48:06" }, { "key": "city_dpa_max_tier2", "region": "PL1271000", "value": "40000", "unit": "usd", "label": "Dare to Own the Dream assistance at 80.01–120% of area median income", "source_name": "City of Tampa: Dare to Own the Dream flyer (2026)", "source_url": "https://www.tampa.gov/sites/default/files/document/2026/2026-dare-to-own-the-dream-flyer-05-07-2026-ada.pdf", "as_of": "2026-05-07", "period": null, "note": null, "updated_at": "2026-10-29 07:48:06" }, { "key": "city_dpa_max_tier3", "region": "PL1271000", "value": "30000", "unit": "usd", "label": "Dare to Own the Dream assistance at 120.01–140% of area median income", "source_name": "City of Tampa: Dare to Own the Dream flyer (2026)", "source_url": "https://www.tampa.gov/sites/default/files/document/2026/2026-dare-to-own-the-dream-flyer-05-07-2026-ada.pdf", "as_of": "2026-05-07", "period": null, "note": null, "updated_at": "2026-10-29 07:48:06" }, { "key": "city_income_limit", "region": "PL1271000", "value": "140", "unit": "pct", "label": "Dare to Own the Dream income limit (share of area median income)", "source_name": "City of Tampa: Dare to Own the Dream flyer (2026)", "source_url": "https://www.tampa.gov/sites/default/files/document/2026/2026-dare-to-own-the-dream-flyer-05-07-2026-ada.pdf", "as_of": "2026-05-07", "period": null, "note": null, "updated_at": "2026-10-29 07:48:06" }, { "key": "city_min_cash", "region": "PL1271000", "value": "2000", "unit": "usd", "label": "Dare to Own the Dream minimum buyer contribution", "source_name": "City of Tampa: Dare to Own the Dream flyer (2026)", "source_url": "https://www.tampa.gov/sites/default/files/document/2026/2026-dare-to-own-the-dream-flyer-05-07-2026-ada.pdf", "as_of": "2026-05-07", "period": null, "note": "At least $1,000 from the borrower’s own verifiable funds", "updated_at": "2026-10-29 07:48:06" }, { "key": "city_min_score", "region": "PL1271000", "value": "600", "unit": "score", "label": "Dare to Own the Dream minimum middle credit score", "source_name": "City of Tampa: Dare to Own the Dream flyer (2026)", "source_url": "https://www.tampa.gov/sites/default/files/document/2026/2026-dare-to-own-the-dream-flyer-05-07-2026-ada.pdf", "as_of": "2026-05-07", "period": null, "note": null, "updated_at": "2026-10-29 07:48:06" }, { "key": "city_price_limit", "region": "PL1271000", "value": "450000", "unit": "usd", "label": "Dare to Own the Dream maximum purchase price", "source_name": "City of Tampa: Dare to Own the Dream flyer (2026)", "source_url": "https://www.tampa.gov/sites/default/files/document/2026/2026-dare-to-own-the-dream-flyer-05-07-2026-ada.pdf", "as_of": "2026-05-07", "period": null, "note": null, "updated_at": "2026-10-29 07:48:06" }, { "key": "acs_median_income", "region": "PL1304000", "value": "88165", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=160XX00US1304000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±4451", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_rent", "region": "PL1304000", "value": "1765", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=160XX00US1304000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±41", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_taxes", "region": "PL1304000", "value": "4663", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=160XX00US1304000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±252", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_value", "region": "PL1304000", "value": "462200", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=160XX00US1304000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±18823", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_year_built", "region": "PL1304000", "value": "1993", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=160XX00US1304000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±2", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "PL1304000", "value": "2542", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=160XX00US1304000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±124", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "PL1304000", "value": "47.7", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=160XX00US1304000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "PL1304000", "value": "1.01", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=160XX00US1304000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "city_dpa_forgive_years", "region": "PL1304000", "value": "10", "unit": "years", "label": "ATL HomeNOW assistance is forgiven after this many years as your primary residence", "source_name": "Invest Atlanta: Homebuyer Programs & Downpayment Assistance", "source_url": "https://www.investatlanta.com/homebuyers/homebuyer-programs-downpayment-assistance", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_dpa_forgive_years_tier2", "region": "PL1304000", "value": "15", "unit": "years", "label": "Beltline Mortgage Assistance Program affordability period (0% soft second mortgage)", "source_name": "Invest Atlanta: Homebuyer Programs & Downpayment Assistance", "source_url": "https://www.investatlanta.com/homebuyers/homebuyer-programs-downpayment-assistance", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_dpa_max", "region": "PL1304000", "value": "20000", "unit": "usd", "label": "Invest Atlanta ATL HomeNOW assistance, up to", "source_name": "Invest Atlanta: Homebuyer Programs & Downpayment Assistance", "source_url": "https://www.investatlanta.com/homebuyers/homebuyer-programs-downpayment-assistance", "as_of": "2026-10-29", "period": null, "note": "For down payment, closing costs or a rate reduction, with a 30-year fixed first mortgage; home inside Atlanta city limits; checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_dpa_max_tier2", "region": "PL1304000", "value": "30000", "unit": "usd", "label": "Beltline Mortgage Assistance Program for civil servants and legacy residents, up to", "source_name": "Invest Atlanta: Homebuyer Programs & Downpayment Assistance", "source_url": "https://www.investatlanta.com/homebuyers/homebuyer-programs-downpayment-assistance", "as_of": "2026-10-29", "period": null, "note": "$20,000 for other qualified buyers; homes in Beltline TAD subareas 1, 2, 3, 8, 9 and 10; 0% soft second with a 15-year affordability period; checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_income_limit_1p", "region": "PL1304000", "value": "99000", "unit": "usd", "label": "ATL HomeNOW income limit, one-person household", "source_name": "Invest Atlanta: Homebuyer Programs & Downpayment Assistance", "source_url": "https://www.investatlanta.com/homebuyers/homebuyer-programs-downpayment-assistance", "as_of": "2026-10-29", "period": null, "note": "$152,760 for five people; checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_loan_limit", "region": "PL1304000", "value": "325000", "unit": "usd", "label": "ATL HomeNOW maximum first-mortgage amount", "source_name": "Invest Atlanta: Homebuyer Programs & Downpayment Assistance", "source_url": "https://www.investatlanta.com/homebuyers/homebuyer-programs-downpayment-assistance", "as_of": "2026-10-29", "period": null, "note": "No maximum purchase price; checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_min_cash", "region": "PL1304000", "value": "1500", "unit": "usd", "label": "Invest Atlanta homebuyer programs: buyer’s own funds, at least", "source_name": "Invest Atlanta: Homebuyer Programs & Downpayment Assistance", "source_url": "https://www.investatlanta.com/homebuyers/homebuyer-programs-downpayment-assistance", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_min_score", "region": "PL1304000", "value": "620", "unit": "score", "label": "ATL HomeNOW minimum FICO score", "source_name": "Invest Atlanta: Homebuyer Programs & Downpayment Assistance", "source_url": "https://www.investatlanta.com/homebuyers/homebuyer-programs-downpayment-assistance", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "acs_median_income", "region": "PL1714000", "value": "80613", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=160XX00US1714000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±1364", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_rent", "region": "PL1714000", "value": "1486", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=160XX00US1714000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±24", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_taxes", "region": "PL1714000", "value": "5152", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=160XX00US1714000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±141", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_value", "region": "PL1714000", "value": "341200", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=160XX00US1714000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±4756", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_year_built", "region": "PL1714000", "value": "1954", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=160XX00US1714000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "PL1714000", "value": "2377", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=160XX00US1714000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±35", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "PL1714000", "value": "46.5", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=160XX00US1714000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "PL1714000", "value": "1.51", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=160XX00US1714000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "city_senior_refund_price", "region": "PL1714000", "value": "250000", "unit": "usd", "label": "Chicago: CTA portion refundable to buyers 65 or older who live in the home, on transfers of", "source_name": "City of Chicago Department of Finance: Real Property Transfer Tax", "source_url": "https://www.chicago.gov/city/en/depts/fin/supp_info/revenue/tax_list/real_property_transfertax.html", "as_of": "2026-10-29", "period": null, "note": "Transfers of $250,000 or less; the buyer must occupy the home for at least one year; see §3-33-060; checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_transfer_tax_rate", "region": "PL1714000", "value": "0.75", "unit": "pct", "label": "Chicago real property transfer tax, city portion paid by the buyer ($3.75 per $500)", "source_name": "City of Chicago Department of Finance: Real Property Transfer Tax", "source_url": "https://www.chicago.gov/city/en/depts/fin/supp_info/revenue/tax_list/real_property_transfertax.html", "as_of": "2026-10-29", "period": null, "note": "Municipal Code of Chicago ch. 3-33; checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_transfer_tax_seller_rate", "region": "PL1714000", "value": "0.3", "unit": "pct", "label": "Chicago real property transfer tax, CTA portion generally paid by the seller ($1.50 per $500)", "source_name": "City of Chicago Department of Finance: Real Property Transfer Tax", "source_url": "https://www.chicago.gov/city/en/depts/fin/supp_info/revenue/tax_list/real_property_transfertax.html", "as_of": "2026-10-29", "period": null, "note": "For transfers on or after April 1, 2008; checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "acs_median_income", "region": "PL2507000", "value": "97791", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=160XX00US2507000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±5438", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_rent", "region": "PL2507000", "value": "2196", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=160XX00US2507000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±68", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_taxes", "region": "PL2507000", "value": "4447", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=160XX00US2507000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±290", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_value", "region": "PL2507000", "value": "722800", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=160XX00US2507000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±17355", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_year_built", "region": "PL2507000", "value": "1947", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=160XX00US2507000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±4", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "PL2507000", "value": "2984", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=160XX00US2507000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±120", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "PL2507000", "value": "35.9", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=160XX00US2507000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "PL2507000", "value": "0.62", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=160XX00US2507000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "city_dpa_max", "region": "PL2507000", "value": "50000", "unit": "usd", "label": "City of Boston First-Time Homebuyer Program, households under 100% of area median income, up to", "source_name": "City of Boston: First-Time Homebuyer Program", "source_url": "https://boston.gov/first-time-homebuyer-program", "as_of": "2026-10-16", "period": null, "note": "Up to 3% of the price plus eligible closing costs; a grant for Boston residents, a 0% deferred loan for non-residents (from Sept 15, 2026)", "updated_at": "2026-10-29 07:48:06" }, { "key": "city_dpa_max_pct", "region": "PL2507000", "value": "3", "unit": "pct", "label": "City of Boston First-Time Homebuyer down payment help, share of purchase price (under 100% of AMI)", "source_name": "City of Boston: First-Time Homebuyer Program", "source_url": "https://boston.gov/first-time-homebuyer-program", "as_of": "2026-10-16", "period": null, "note": "Plus eligible closing costs", "updated_at": "2026-10-29 07:48:06" }, { "key": "city_dpa_max_tier2", "region": "PL2507000", "value": "35000", "unit": "usd", "label": "City of Boston First-Time Homebuyer Program, households at 101–135% of area median income, up to", "source_name": "City of Boston: First-Time Homebuyer Program", "source_url": "https://boston.gov/first-time-homebuyer-program", "as_of": "2026-10-16", "period": null, "note": "Up to 2% of the price plus eligible closing costs", "updated_at": "2026-10-29 07:48:06" }, { "key": "city_homestead_savings", "region": "PL2507000", "value": "4353.74", "unit": "usd", "label": "City of Boston residential exemption, tax savings up to", "source_name": "City of Boston Assessing: Residential exemption", "source_url": "https://www.boston.gov/departments/assessing/residential-exemption", "as_of": "2026-10-29", "period": "FY2026", "note": "Owner-occupied principal residence; FY27 application due April 1, 2027; checked Oct 2026", "updated_at": "2026-10-29 07:48:06" }, { "key": "city_income_limit", "region": "PL2507000", "value": "135", "unit": "pct", "label": "City of Boston First-Time Homebuyer Program income limit (share of area median income)", "source_name": "City of Boston: First-Time Homebuyer Program", "source_url": "https://boston.gov/first-time-homebuyer-program", "as_of": "2026-10-16", "period": null, "note": null, "updated_at": "2026-10-29 07:48:06" }, { "key": "acs_median_income", "region": "PL3240000", "value": "78556", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=160XX00US3240000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±3539", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_rent", "region": "PL3240000", "value": "1688", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=160XX00US3240000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±36", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_taxes", "region": "PL3240000", "value": "2229", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=160XX00US3240000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±110", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_value", "region": "PL3240000", "value": "458300", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=160XX00US3240000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±8529", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_year_built", "region": "PL3240000", "value": "1995", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=160XX00US3240000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "PL3240000", "value": "2136", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=160XX00US3240000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±71", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "PL3240000", "value": "56.6", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=160XX00US3240000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "PL3240000", "value": "0.49", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=160XX00US3240000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "county_transfer_tax_rate", "region": "PL3240000", "value": "0.51", "unit": "pct", "label": "Clark County real property transfer tax, total rate ($2.55 per $500, including the state’s $1.95)", "source_name": "Clark County Recorder: Land documents", "source_url": "https://www.clarkcountynv.gov/government/elected_officials/county_recorder/land-documents", "as_of": "2026-10-29", "period": null, "note": "Based on the full purchase price or estimated fair market value; checked Oct 2026", "updated_at": "2026-10-29 07:48:06" }, { "key": "acs_median_income", "region": "PL3651000", "value": "81228", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=160XX00US3651000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±908", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_rent", "region": "PL3651000", "value": "1811", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=160XX00US3651000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±12", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_taxes", "region": "PL3651000", "value": "6669", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=160XX00US3651000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±75", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_value", "region": "PL3651000", "value": "778600", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=160XX00US3651000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±8906", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_year_built", "region": "PL3651000", "value": "1953", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=160XX00US3651000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "PL3651000", "value": "3335", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=160XX00US3651000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±51", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "PL3651000", "value": "32.7", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=160XX00US3651000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "PL3651000", "value": "0.86", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=160XX00US3651000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "city_dpa_max", "region": "PL3651000", "value": "100000", "unit": "usd", "label": "NYC HPD HomeFirst Down Payment Assistance, up to", "source_name": "NYC Department of Housing Preservation and Development: HomeFirst Down Payment Assistance Program", "source_url": "https://www.nyc.gov/site/hpd/services-and-information/homefirst-down-payment-assistance-program.page", "as_of": "2026-10-29", "period": null, "note": "Forgivable loan toward down payment or closing costs; checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_income_limit", "region": "PL3651000", "value": "120", "unit": "pct", "label": "HomeFirst income limit (share of area median income)", "source_name": "NYC Department of Housing Preservation and Development: HomeFirst Down Payment Assistance Program", "source_url": "https://www.nyc.gov/site/hpd/services-and-information/homefirst-down-payment-assistance-program.page", "as_of": "2026-06-01", "period": null, "note": "Income limits effective June 1, 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_min_cash_pct", "region": "PL3651000", "value": "3", "unit": "pct", "label": "HomeFirst: buyer’s own funds, at least (share of the purchase price)", "source_name": "NYC Department of Housing Preservation and Development: HomeFirst Down Payment Assistance Program", "source_url": "https://www.nyc.gov/site/hpd/services-and-information/homefirst-down-payment-assistance-program.page", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_mortgage_tax_rate", "region": "PL3651000", "value": "2.05", "unit": "pct", "label": "Combined New York State and New York City mortgage recording tax, mortgages under $500,000", "source_name": "New York State Department of Taxation and Finance: Form MT-15", "source_url": "https://www.tax.ny.gov/pdf/current_forms/mortgage/mt15.pdf", "as_of": "2025-01-01", "period": "Form MT-15 (rev. 1/25)", "note": "$2.05 per $100: NYC tax $1.00, basic $0.50, special additional $0.25, additional $0.30", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_mortgage_tax_rate_high", "region": "PL3651000", "value": "2.175", "unit": "pct", "label": "Combined New York State and New York City mortgage recording tax, one- to three-family homes and condo units, mortgages of $500,000 or more", "source_name": "New York State Department of Taxation and Finance: Form MT-15", "source_url": "https://www.tax.ny.gov/pdf/current_forms/mortgage/mt15.pdf", "as_of": "2025-01-01", "period": "Form MT-15 (rev. 1/25)", "note": "$2.175 per $100: NYC tax $1.125, basic $0.50, special additional $0.25, additional $0.30", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_occupancy_years", "region": "PL3651000", "value": "15", "unit": "years", "label": "HomeFirst owner-occupancy period for loans over $40,000 and all City-funded loans", "source_name": "NYC Department of Housing Preservation and Development: HomeFirst Down Payment Assistance Program", "source_url": "https://www.nyc.gov/site/hpd/services-and-information/homefirst-down-payment-assistance-program.page", "as_of": "2026-10-29", "period": null, "note": "10 years for loans of $40,000 or less; checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_price_limit", "region": "PL3651000", "value": "732000", "unit": "usd", "label": "HomeFirst purchase price limit, existing one-family home in Brooklyn (highest borough limit)", "source_name": "NYC Department of Housing Preservation and Development: HomeFirst Down Payment Assistance Program", "source_url": "https://www.nyc.gov/site/hpd/services-and-information/homefirst-down-payment-assistance-program.page", "as_of": "2025-12-01", "period": null, "note": "95% of HUD purchase price limits; Queens $699,000; Bronx, Manhattan and Staten Island $661,000", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_price_limit_low", "region": "PL3651000", "value": "661000", "unit": "usd", "label": "HomeFirst purchase price limit, existing one-family home in the Bronx, Manhattan or Staten Island", "source_name": "NYC Department of Housing Preservation and Development: HomeFirst Down Payment Assistance Program", "source_url": "https://www.nyc.gov/site/hpd/services-and-information/homefirst-down-payment-assistance-program.page", "as_of": "2025-12-01", "period": null, "note": "95% of HUD purchase price limits", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_transfer_tax_rate", "region": "PL3651000", "value": "1", "unit": "pct", "label": "NYC Real Property Transfer Tax on a home (one- to three-family, condo or co-op) valued at $500,000 or less", "source_name": "NYC Department of Finance: Real Property Transfer Tax (RPTT)", "source_url": "https://www.nyc.gov/site/finance/property/property-real-property-transfer-tax-rptt.page", "as_of": "2026-10-29", "period": null, "note": "Residential Type 1; usually paid as part of closing costs; checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_transfer_tax_rate_high", "region": "PL3651000", "value": "1.425", "unit": "pct", "label": "NYC Real Property Transfer Tax on a home valued above $500,000", "source_name": "NYC Department of Finance: Real Property Transfer Tax (RPTT)", "source_url": "https://www.nyc.gov/site/finance/property/property-real-property-transfer-tax-rptt.page", "as_of": "2026-10-29", "period": null, "note": "Residential Type 1 (one- to three-family houses, condo units, co-op apartments); checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_transfer_tax_tier", "region": "PL3651000", "value": "500000", "unit": "usd", "label": "NYC Real Property Transfer Tax: the higher residential rate applies above", "source_name": "NYC Department of Finance: Real Property Transfer Tax (RPTT)", "source_url": "https://www.nyc.gov/site/finance/property/property-real-property-transfer-tax-rptt.page", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "supp_transfer_tax_max", "region": "PL3651000", "value": "2.9", "unit": "pct", "label": "New York State supplemental transfer tax in New York City, highest incremental rate", "source_name": "New York State Department of Taxation and Finance: Real estate transfer tax", "source_url": "https://www.tax.ny.gov/bus/transfer/rptidx.htm", "as_of": "2019-07-01", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "supp_transfer_tax_min", "region": "PL3651000", "value": "0.25", "unit": "pct", "label": "New York State supplemental transfer tax in New York City, lowest incremental rate", "source_name": "New York State Department of Taxation and Finance: Real estate transfer tax", "source_url": "https://www.tax.ny.gov/bus/transfer/rptidx.htm", "as_of": "2019-07-01", "period": null, "note": "Incremental rate between 0.25% and 2.9% based on the purchase price; checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "supp_transfer_tax_threshold", "region": "PL3651000", "value": "2000000", "unit": "usd", "label": "New York State supplemental transfer tax in New York City applies to residential sales of", "source_name": "New York State Department of Taxation and Finance: Real estate transfer tax", "source_url": "https://www.tax.ny.gov/bus/transfer/rptidx.htm", "as_of": "2019-07-01", "period": null, "note": "Paid by the buyer; applies in cities of one million or more; checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "acs_median_income", "region": "PL3712000", "value": "86416", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=160XX00US3712000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±2366", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_rent", "region": "PL3712000", "value": "1720", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=160XX00US3712000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±28", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_taxes", "region": "PL3712000", "value": "2975", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=160XX00US3712000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±68", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_value", "region": "PL3712000", "value": "431900", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=160XX00US3712000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±10611", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_year_built", "region": "PL3712000", "value": "1999", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=160XX00US3712000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±2", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "PL3712000", "value": "2029", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=160XX00US3712000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±84", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "PL3712000", "value": "50.5", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=160XX00US3712000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "PL3712000", "value": "0.69", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=160XX00US3712000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "city_dpa_base", "region": "PL3712000", "value": "30000", "unit": "usd", "label": "HouseCharlotte base assistance for buyers at or below 80% of area median income, up to", "source_name": "City of Charlotte: Homeownership (HouseCharlotte)", "source_url": "https://www.charlottenc.gov/Streets-and-Neighborhoods/Housing/Resources-for-Homeowners-Renters/Homeownership", "as_of": "2026-10-29", "period": null, "note": "Program 1A; checked Oct 2026", "updated_at": "2026-10-29 07:48:06" }, { "key": "city_dpa_base_tier2", "region": "PL3712000", "value": "10000", "unit": "usd", "label": "HouseCharlotte base assistance for buyers at 80.01–110% of area median income, up to", "source_name": "City of Charlotte: Homeownership (HouseCharlotte)", "source_url": "https://www.charlottenc.gov/Streets-and-Neighborhoods/Housing/Resources-for-Homeowners-Renters/Homeownership", "as_of": "2026-10-29", "period": null, "note": "Program 1B, plus additional match up to $20,000; checked Oct 2026", "updated_at": "2026-10-29 07:48:06" }, { "key": "city_dpa_forgive_years", "region": "PL3712000", "value": "30", "unit": "years", "label": "HouseCharlotte deferred loan term (forgivable at year 31)", "source_name": "City of Charlotte: Homeownership (HouseCharlotte)", "source_url": "https://www.charlottenc.gov/Streets-and-Neighborhoods/Housing/Resources-for-Homeowners-Renters/Homeownership", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:48:06" }, { "key": "city_dpa_max", "region": "PL3712000", "value": "80000", "unit": "usd", "label": "HouseCharlotte assistance for buyers at or below 80% of area median income (base plus match), up to", "source_name": "City of Charlotte: Homeownership (HouseCharlotte)", "source_url": "https://www.charlottenc.gov/Streets-and-Neighborhoods/Housing/Resources-for-Homeowners-Renters/Homeownership", "as_of": "2026-10-29", "period": null, "note": "Base up to $30,000 plus additional match up to $50,000 (Program 1A); checked Oct 2026", "updated_at": "2026-10-29 07:48:06" }, { "key": "city_income_limit", "region": "PL3712000", "value": "110", "unit": "pct", "label": "HouseCharlotte income limit (share of area median income)", "source_name": "City of Charlotte: Homeownership (HouseCharlotte)", "source_url": "https://www.charlottenc.gov/Streets-and-Neighborhoods/Housing/Resources-for-Homeowners-Renters/Homeownership", "as_of": "2026-10-29", "period": null, "note": "Program 1A up to 80% of AMI; 1B 80.01–110%; checked Oct 2026", "updated_at": "2026-10-29 07:48:06" }, { "key": "city_price_limit", "region": "PL3712000", "value": "365000", "unit": "usd", "label": "HouseCharlotte maximum total sales price", "source_name": "City of Charlotte: Homeownership (HouseCharlotte)", "source_url": "https://www.charlottenc.gov/Streets-and-Neighborhoods/Housing/Resources-for-Homeowners-Renters/Homeownership", "as_of": "2026-10-29", "period": null, "note": "New construction and existing homes; checked Oct 2026", "updated_at": "2026-10-29 07:48:06" }, { "key": "acs_median_income", "region": "PL3755000", "value": "85060", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=160XX00US3755000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±7119", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_rent", "region": "PL3755000", "value": "1661", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=160XX00US3755000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±41", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_taxes", "region": "PL3755000", "value": "3245", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=160XX00US3755000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±136", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_value", "region": "PL3755000", "value": "450300", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=160XX00US3755000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±13422", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_year_built", "region": "PL3755000", "value": "1999", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=160XX00US3755000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±2", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "PL3755000", "value": "2061", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=160XX00US3755000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±87", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "PL3755000", "value": "49.6", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=160XX00US3755000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "PL3755000", "value": "0.72", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=160XX00US3755000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "city_deed_restriction_years", "region": "PL3755000", "value": "10", "unit": "years", "label": "City of Raleigh Enhanced Homebuyer Assistance deed restriction", "source_name": "City of Raleigh: Apply for Homebuyer Assistance", "source_url": "https://raleighnc.gov/housing/homebuyer-assistance", "as_of": "2026-09-04", "period": null, "note": "Limits sale proceeds if the home is sold within the restriction period", "updated_at": "2026-10-29 07:48:06" }, { "key": "city_dpa_max", "region": "PL3755000", "value": "45000", "unit": "usd", "label": "City of Raleigh Homebuyer Assistance Program, up to", "source_name": "City of Raleigh: Apply for Homebuyer Assistance", "source_url": "https://raleighnc.gov/housing/homebuyer-assistance", "as_of": "2026-09-04", "period": null, "note": "Zero-interest deferred loan, due when the home is sold or no longer the primary residence; homeownership class required", "updated_at": "2026-10-29 07:48:06" }, { "key": "city_dpa_max_enhanced", "region": "PL3755000", "value": "60000", "unit": "usd", "label": "City of Raleigh Enhanced Homebuyer Assistance (targeted areas), up to", "source_name": "City of Raleigh: Apply for Homebuyer Assistance", "source_url": "https://raleighnc.gov/housing/homebuyer-assistance", "as_of": "2026-09-04", "period": null, "note": "Funded through the 2020 Affordable Housing Bond", "updated_at": "2026-10-29 07:48:06" }, { "key": "city_income_limit", "region": "PL3755000", "value": "80", "unit": "pct", "label": "City of Raleigh Homebuyer Assistance income limit (share of area median income)", "source_name": "City of Raleigh: Apply for Homebuyer Assistance", "source_url": "https://raleighnc.gov/housing/homebuyer-assistance", "as_of": "2026-09-04", "period": null, "note": "First-time homebuyers", "updated_at": "2026-10-29 07:48:06" }, { "key": "city_price_limit_enhanced", "region": "PL3755000", "value": "450000", "unit": "usd", "label": "City of Raleigh Enhanced Homebuyer Assistance maximum purchase price", "source_name": "City of Raleigh: Apply for Homebuyer Assistance", "source_url": "https://raleighnc.gov/housing/homebuyer-assistance", "as_of": "2026-09-04", "period": null, "note": null, "updated_at": "2026-10-29 07:48:06" }, { "key": "acs_median_income", "region": "PL3918000", "value": "67084", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=160XX00US3918000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±2199", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_rent", "region": "PL3918000", "value": "1383", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=160XX00US3918000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±20", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_taxes", "region": "PL3918000", "value": "3559", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=160XX00US3918000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±113", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_value", "region": "PL3918000", "value": "279900", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=160XX00US3918000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±6524", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_year_built", "region": "PL3918000", "value": "1982", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=160XX00US3918000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "PL3918000", "value": "1652", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=160XX00US3918000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±38", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "PL3918000", "value": "45.9", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=160XX00US3918000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "PL3918000", "value": "1.27", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=160XX00US3918000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "city_dpa_forgive_years", "region": "PL3918000", "value": "5", "unit": "years", "label": "City of Columbus ADDI deferred loan forgiven after", "source_name": "City of Columbus: ADDI Guidelines", "source_url": "https://www.columbus.gov/files/sharedassets/city/v/1/housing-amp-assistance-programs/addi/2025-addi-guidelines.pdf", "as_of": "2024-06-01", "period": null, "note": "Home must stay the principal residence; checked Oct 2026", "updated_at": "2026-10-29 07:48:06" }, { "key": "city_dpa_max", "region": "PL3918000", "value": "14999", "unit": "usd", "label": "City of Columbus American Dream Downpayment Initiative (ADDI), up to", "source_name": "City of Columbus: ADDI Guidelines", "source_url": "https://www.columbus.gov/files/sharedassets/city/v/1/housing-amp-assistance-programs/addi/2025-addi-guidelines.pdf", "as_of": "2024-06-01", "period": null, "note": "Up to 6% of the price, whichever is less; first come, first served; checked Oct 2026", "updated_at": "2026-10-29 07:48:06" }, { "key": "city_dpa_max_pct", "region": "PL3918000", "value": "6", "unit": "pct", "label": "City of Columbus ADDI assistance, share of purchase price, up to", "source_name": "City of Columbus: ADDI Guidelines", "source_url": "https://www.columbus.gov/files/sharedassets/city/v/1/housing-amp-assistance-programs/addi/2025-addi-guidelines.pdf", "as_of": "2024-06-01", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:48:06" }, { "key": "city_income_limit", "region": "PL3918000", "value": "120", "unit": "pct", "label": "City of Columbus ADDI income limit (share of area median income)", "source_name": "City of Columbus: ADDI Guidelines", "source_url": "https://www.columbus.gov/files/sharedassets/city/v/1/housing-amp-assistance-programs/addi/2025-addi-guidelines.pdf", "as_of": "2024-06-01", "period": null, "note": "Income limits effective June 1, 2025; checked Oct 2026", "updated_at": "2026-10-29 07:48:06" }, { "key": "city_min_cash", "region": "PL3918000", "value": "500", "unit": "usd", "label": "City of Columbus ADDI minimum buyer contribution from own savings", "source_name": "City of Columbus: ADDI Guidelines", "source_url": "https://www.columbus.gov/files/sharedassets/city/v/1/housing-amp-assistance-programs/addi/2025-addi-guidelines.pdf", "as_of": "2024-06-01", "period": null, "note": "No loans, credits or gifts; checked Oct 2026", "updated_at": "2026-10-29 07:48:06" }, { "key": "county_transfer_tax_rate", "region": "PL3918000", "value": "0.3", "unit": "pct", "label": "Franklin County conveyance fee, total ($3 per $1,000: $1 state, $2 county)", "source_name": "Franklin County Auditor: Transfer & Conveyance Standards", "source_url": "https://auditor.franklincountyohio.gov/files/assets/auditor/v/2/documents/real-estate/conveyance-standards/conveyancestandards.pdf", "as_of": "2026-03-02", "period": null, "note": "Plus a $0.50 transfer fee per parcel", "updated_at": "2026-10-29 07:48:06" }, { "key": "acs_median_income", "region": "PL4752006", "value": "80090", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=160XX00US4752006", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±2958", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_rent", "region": "PL4752006", "value": "1669", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=160XX00US4752006", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±40", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_taxes", "region": "PL4752006", "value": "2471", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=160XX00US4752006", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±64", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_value", "region": "PL4752006", "value": "438800", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=160XX00US4752006", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±10667", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_year_built", "region": "PL4752006", "value": "1988", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=160XX00US4752006", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±2", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "PL4752006", "value": "1974", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=160XX00US4752006", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±66", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "PL4752006", "value": "51.8", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=160XX00US4752006", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "PL4752006", "value": "0.56", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=160XX00US4752006", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "county_assessment_ratio", "region": "PL4752006", "value": "25", "unit": "pct", "label": "Davidson County residential assessment ratio (share of appraised value that is taxed)", "source_name": "Metro Nashville Trustee: How to figure your property tax bill", "source_url": "https://nashville.gov/departments/trustee/calculate-property-taxes", "as_of": "2025-08-11", "period": null, "note": "Residential and farm property assessed at 25% of appraised value; checked Oct 2026", "updated_at": "2026-10-29 07:48:06" }, { "key": "acs_median_income", "region": "PL4805000", "value": "90430", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=160XX00US4805000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±2569", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_rent", "region": "PL4805000", "value": "1770", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=160XX00US4805000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±25", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_taxes", "region": "PL4805000", "value": "7468", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=160XX00US4805000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±310", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_value", "region": "PL4805000", "value": "571000", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=160XX00US4805000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±17220", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_year_built", "region": "PL4805000", "value": "2000", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=160XX00US4805000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±2", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "PL4805000", "value": "2801", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=160XX00US4805000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±80", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "PL4805000", "value": "41.2", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=160XX00US4805000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "PL4805000", "value": "1.31", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=160XX00US4805000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "city_dpa_max", "region": "PL4805000", "value": "40000", "unit": "usd", "label": "City of Austin Down Payment Assistance Program, up to", "source_name": "City of Austin Housing Department: Homebuyer Resources", "source_url": "https://www.austintexas.gov/housing/homebuyer-resources", "as_of": "2026-10-29", "period": null, "note": "Through participating lenders; checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_income_limit", "region": "PL4805000", "value": "80", "unit": "pct", "label": "Austin down payment assistance income limit (share of median family income)", "source_name": "City of Austin Housing Department: Homebuyer Resources", "source_url": "https://www.austintexas.gov/housing/homebuyer-resources", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_income_limit_4p", "region": "PL4805000", "value": "106800", "unit": "usd", "label": "Austin down payment assistance income limit, four-person household", "source_name": "City of Austin Housing Department: Homebuyer Resources", "source_url": "https://www.austintexas.gov/housing/homebuyer-resources", "as_of": "2026-10-29", "period": null, "note": "$74,800 for one person; checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_price_limit", "region": "PL4805000", "value": "440000", "unit": "usd", "label": "Austin down payment assistance maximum sales price", "source_name": "City of Austin Housing Department: Homebuyer Resources", "source_url": "https://www.austintexas.gov/housing/homebuyer-resources", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "acs_median_income", "region": "PL4819000", "value": "74323", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=160XX00US4819000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±2841", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_rent", "region": "PL4819000", "value": "1599", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=160XX00US4819000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±34", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_taxes", "region": "PL4819000", "value": "4943", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=160XX00US4819000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±276", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_value", "region": "PL4819000", "value": "340400", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=160XX00US4819000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±11363", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_year_built", "region": "PL4819000", "value": "1983", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=160XX00US4819000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±2", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "PL4819000", "value": "2339", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=160XX00US4819000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±76", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "PL4819000", "value": "42.2", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=160XX00US4819000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "PL4819000", "value": "1.45", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=160XX00US4819000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "city_dpa_max", "region": "PL4819000", "value": "60000", "unit": "usd", "label": "Dallas Homebuyer Assistance Program (DHAP) in High Opportunity Areas, up to", "source_name": "City of Dallas Housing & Homelessness: Dallas Homebuyer Assistance Program", "source_url": "https://dallascityhall.com/departments/housing-neighborhood-revitalization/Pages/Dallas-Homebuyer-Assistance-Program-DHAP.aspx", "as_of": "2026-10-29", "period": null, "note": "Forgivable, deferred, interest-free second lien; funding based on availability, first come, first served; checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_dpa_max_tier2", "region": "PL4819000", "value": "50000", "unit": "usd", "label": "DHAP assistance in all other Dallas locations, up to", "source_name": "City of Dallas Housing & Homelessness: Dallas Homebuyer Assistance Program", "source_url": "https://dallascityhall.com/departments/housing-neighborhood-revitalization/Pages/Dallas-Homebuyer-Assistance-Program-DHAP.aspx", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_dpa2_income_max", "region": "PL4819000", "value": "120", "unit": "pct", "label": "Anti-Displacement Homebuyer Assistance Program income limit (share of area median income)", "source_name": "City of Dallas Housing & Homelessness: Dallas Homebuyer Assistance Program", "source_url": "https://dallascityhall.com/departments/housing-neighborhood-revitalization/Pages/Dallas-Homebuyer-Assistance-Program-DHAP.aspx", "as_of": "2026-10-29", "period": null, "note": "Lower bound 50% of AMI; checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_dpa2_max", "region": "PL4819000", "value": "50000", "unit": "usd", "label": "Dallas Anti-Displacement Homebuyer Assistance Program, up to", "source_name": "City of Dallas Housing & Homelessness: Dallas Homebuyer Assistance Program", "source_url": "https://dallascityhall.com/departments/housing-neighborhood-revitalization/Pages/Dallas-Homebuyer-Assistance-Program-DHAP.aspx", "as_of": "2026-10-29", "period": null, "note": "Income 50%–120% of AMI; no purchase price limit; some funds limited to targeted areas; checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_dpa2_residency_years", "region": "PL4819000", "value": "10", "unit": "years", "label": "Anti-Displacement program: applicant must have lived in Dallas at least", "source_name": "City of Dallas Housing & Homelessness: Dallas Homebuyer Assistance Program", "source_url": "https://dallascityhall.com/departments/housing-neighborhood-revitalization/Pages/Dallas-Homebuyer-Assistance-Program-DHAP.aspx", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_hbe_hours", "region": "PL4819000", "value": "8", "unit": "count", "label": "Hours of homebuyer education required for DHAP (borrower and co-borrower)", "source_name": "City of Dallas Homebuyer Assistance Program Manual 2024–2025", "source_url": "https://dallascityhall.com/departments/housing-neighborhood-revitalization/dallasmap/DCH%20Documents/DHAP%20Manual%202024-2025%20rev%2011-2024.pdf", "as_of": "2024-11-01", "period": "2024–2025 program manual", "note": null, "updated_at": "2026-10-29 07:55:43" }, { "key": "city_income_limit", "region": "PL4819000", "value": "80", "unit": "pct", "label": "DHAP income limit (share of area median income)", "source_name": "City of Dallas Housing & Homelessness: Dallas Homebuyer Assistance Program", "source_url": "https://dallascityhall.com/departments/housing-neighborhood-revitalization/Pages/Dallas-Homebuyer-Assistance-Program-DHAP.aspx", "as_of": "2025-06-01", "period": null, "note": "Income limits effective June 1, 2025", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_income_limit_1p", "region": "PL4819000", "value": "65700", "unit": "usd", "label": "DHAP income limit, one-person household", "source_name": "City of Dallas Housing & Homelessness: Dallas Homebuyer Assistance Program", "source_url": "https://dallascityhall.com/departments/housing-neighborhood-revitalization/Pages/Dallas-Homebuyer-Assistance-Program-DHAP.aspx", "as_of": "2025-06-01", "period": null, "note": "Effective June 1, 2025", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_min_cash", "region": "PL4819000", "value": "1000", "unit": "usd", "label": "DHAP minimum initial cash investment by the buyer", "source_name": "City of Dallas Homebuyer Assistance Program Manual 2024–2025", "source_url": "https://dallascityhall.com/departments/housing-neighborhood-revitalization/dallasmap/DCH%20Documents/DHAP%20Manual%202024-2025%20rev%2011-2024.pdf", "as_of": "2024-11-01", "period": "2024–2025 program manual", "note": null, "updated_at": "2026-10-29 07:55:43" }, { "key": "city_occupancy_years", "region": "PL4819000", "value": "15", "unit": "years", "label": "DHAP affordability period for assistance above $40,000", "source_name": "City of Dallas Homebuyer Assistance Program Manual 2024–2025", "source_url": "https://dallascityhall.com/departments/housing-neighborhood-revitalization/dallasmap/DCH%20Documents/DHAP%20Manual%202024-2025%20rev%2011-2024.pdf", "as_of": "2024-11-01", "period": "2024–2025 program manual", "note": "Under $15,000: 5 years; $15,000–$40,000: 10 years", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_price_limit", "region": "PL4819000", "value": "342000", "unit": "usd", "label": "DHAP maximum sales price, existing and new homes", "source_name": "City of Dallas Housing & Homelessness: Dallas Homebuyer Assistance Program", "source_url": "https://dallascityhall.com/departments/housing-neighborhood-revitalization/Pages/Dallas-Homebuyer-Assistance-Program-DHAP.aspx", "as_of": "2024-09-01", "period": null, "note": "Contracts written on or after September 1, 2024; home must appraise for at least the sales price", "updated_at": "2026-10-29 07:55:43" }, { "key": "acs_median_income", "region": "PL4835000", "value": "64361", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=160XX00US4835000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±1735", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_rent", "region": "PL4835000", "value": "1408", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=160XX00US4835000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±17", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_taxes", "region": "PL4835000", "value": "4308", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=160XX00US4835000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±154", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_value", "region": "PL4835000", "value": "301200", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=160XX00US4835000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±7063", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_year_built", "region": "PL4835000", "value": "1985", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=160XX00US4835000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±2", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "PL4835000", "value": "2415", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=160XX00US4835000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±65", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "PL4835000", "value": "40.9", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=160XX00US4835000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "PL4835000", "value": "1.43", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=160XX00US4835000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "hbe_hours_houston", "region": "PL4835000", "value": "8", "unit": "count", "label": "Hours of HUD-approved homebuyer education required by City of Houston programs", "source_name": "City of Houston Housing and Community Development: Homebuyer Hub", "source_url": "https://www.houstontx.gov/housing/hbhub.html", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:16:10" }, { "key": "hou_hap_forgive_years", "region": "PL4835000", "value": "5", "unit": "years", "label": "HAP assistance up to $50,000 is forgiven over", "source_name": "City of Houston HAP Guidelines, version 8.0", "source_url": "https://houstontx.gov/housing/plans-reports/guidelines/hap/Homebuyer_Assistance_Program_HAP_Guidelines-8.0-Entitlement-071526.pdf", "as_of": "2026-06-23", "period": null, "note": "20% a year; assistance above $50,000 is forgiven over 8 years", "updated_at": "2026-10-29 07:16:10" }, { "key": "hou_hap_forgive_years_high", "region": "PL4835000", "value": "8", "unit": "years", "label": "HAP assistance above $50,000 is forgiven over", "source_name": "City of Houston HAP Guidelines, version 8.0", "source_url": "https://houstontx.gov/housing/plans-reports/guidelines/hap/Homebuyer_Assistance_Program_HAP_Guidelines-8.0-Entitlement-071526.pdf", "as_of": "2026-06-23", "period": null, "note": "12.5% a year", "updated_at": "2026-10-29 07:16:10" }, { "key": "hou_hap_income", "region": "PL4835000", "value": "80", "unit": "pct", "label": "HAP income limit, CDBG-funded assistance (share of area median income)", "source_name": "City of Houston HAP Guidelines, version 8.0", "source_url": "https://houstontx.gov/housing/plans-reports/guidelines/hap/Homebuyer_Assistance_Program_HAP_Guidelines-8.0-Entitlement-071526.pdf", "as_of": "2026-06-23", "period": null, "note": "120% of AMI for TIRZ-funded assistance", "updated_at": "2026-10-29 07:16:10" }, { "key": "hou_hap_max", "region": "PL4835000", "value": "75000", "unit": "usd", "label": "City of Houston Homebuyer Assistance Program (HAP), up to", "source_name": "City of Houston HAP Guidelines, version 8.0", "source_url": "https://houstontx.gov/housing/plans-reports/guidelines/hap/Homebuyer_Assistance_Program_HAP_Guidelines-8.0-Entitlement-071526.pdf", "as_of": "2026-06-23", "period": null, "note": "Effective June 23, 2026; amount based on financial need", "updated_at": "2026-10-29 07:16:10" }, { "key": "hou_hap_min_cash", "region": "PL4835000", "value": "350", "unit": "usd", "label": "HAP minimum cash investment by the buyer", "source_name": "City of Houston HAP Guidelines, version 8.0", "source_url": "https://houstontx.gov/housing/plans-reports/guidelines/hap/Homebuyer_Assistance_Program_HAP_Guidelines-8.0-Entitlement-071526.pdf", "as_of": "2026-06-23", "period": null, "note": null, "updated_at": "2026-10-29 07:16:10" }, { "key": "hou_hap_tier", "region": "PL4835000", "value": "50000", "unit": "usd", "label": "HAP assistance up to this amount has the shorter forgiveness period", "source_name": "City of Houston HAP Guidelines, version 8.0", "source_url": "https://houstontx.gov/housing/plans-reports/guidelines/hap/Homebuyer_Assistance_Program_HAP_Guidelines-8.0-Entitlement-071526.pdf", "as_of": "2026-06-23", "period": null, "note": null, "updated_at": "2026-10-29 07:16:10" }, { "key": "hou_hbap_income", "region": "PL4835000", "value": "120", "unit": "pct", "label": "HbAP 2.0 income limit (share of area median income)", "source_name": "City of Houston Housing and Community Development: Homebuyer Hub", "source_url": "https://www.houstontx.gov/housing/hbhub.html", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:16:10" }, { "key": "hou_hbap_max", "region": "PL4835000", "value": "125000", "unit": "usd", "label": "Harvey Homebuyer Assistance Program 2.0 (HbAP 2.0), up to", "source_name": "City of Houston Housing and Community Development: Homebuyer Hub", "source_url": "https://www.houstontx.gov/housing/hbhub.html", "as_of": "2026-10-29", "period": null, "note": "For income-qualified buyers (up to 120% of AMI) who lived inside city limits on Aug 25, 2017; checked Oct 2026", "updated_at": "2026-10-29 07:16:10" }, { "key": "acs_median_income", "region": "PL5363000", "value": "118745", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=160XX00US5363000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±5861", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_rent", "region": "PL5363000", "value": "2007", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=160XX00US5363000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±55", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_taxes", "region": "PL5363000", "value": "7503", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=160XX00US5363000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±198", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_value", "region": "PL5363000", "value": "950800", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=160XX00US5363000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±18888", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_median_year_built", "region": "PL5363000", "value": "1981", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=160XX00US5363000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±2", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "PL5363000", "value": "3651", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=160XX00US5363000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±82", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "PL5363000", "value": "41.9", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=160XX00US5363000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "PL5363000", "value": "0.79", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=160XX00US5363000", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "city_dpa_max", "region": "PL5363000", "value": "76000", "unit": "usd", "label": "City of Seattle Office of Housing down payment assistance, up to (per household)", "source_name": "City of Seattle Office of Housing: Buy a Home", "source_url": "https://www.seattle.gov/housing/renters/buy-a-home", "as_of": "2026-10-29", "period": null, "note": "Delivered through nonprofit partners; the WSHFC Seattle Downpayment Assistance Program is no longer available; checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_income_limit", "region": "PL5363000", "value": "80", "unit": "pct", "label": "Seattle down payment assistance income limit (share of area median income)", "source_name": "City of Seattle Office of Housing: Buy a Home", "source_url": "https://www.seattle.gov/housing/renters/buy-a-home", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:55:43" }, { "key": "city_transfer_tax_rate", "region": "PL5363000", "value": "0.5", "unit": "pct", "label": "Seattle local real estate excise tax, added to the state REET", "source_name": "Washington Department of Revenue: Local REET rates (May 1, 2026)", "source_url": "https://dor.wa.gov/sites/default/files/2026-03/84-0013-May26_REET.pdf", "as_of": "2026-05-01", "period": null, "note": "Location code 1726, King County", "updated_at": "2026-10-29 07:55:43" }, { "key": "acs_median_income", "region": "RI", "value": "83504", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US44", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±3548", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "RI", "value": "1418", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US44", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±46", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "RI", "value": "4886", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US44", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±76", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "RI", "value": "455700", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US44", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±6647", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "RI", "value": "1964", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US44", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±2", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "RI", "value": "2262", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US44", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±46", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "RI", "value": "63.5", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US44", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "RI", "value": "1.07", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US44", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "hfa_dpa_max", "region": "RI", "value": "15000", "unit": "usd", "label": "RIHousing 15kDPA (0% loan, no monthly payments)", "source_name": "RIHousing: 15kDPA", "source_url": "https://www.rihousing.com/homebuyers/15k-dpa/", "as_of": "2026-04-30", "period": null, "note": "Due when the home is sold, transferred or no longer your primary residence; first-time buyers; homebuyer education required", "updated_at": "2026-10-29 07:55:49" }, { "key": "hfa_dpa_repay_max", "region": "RI", "value": "20000", "unit": "usd", "label": "RIHousing Extra Assistance second mortgage, up to", "source_name": "RIHousing: Extra Assistance", "source_url": "https://www.rihousing.com/homebuyers/extra-assistance/", "as_of": "2026-04-30", "period": null, "note": "Up to 6% of the price or $20,000, whichever is lower; same rate as the RIHousing first mortgage; minimum score 620", "updated_at": "2026-10-29 07:55:49" }, { "key": "hfa_dpa_repay_years", "region": "RI", "value": "15", "unit": "years", "label": "RIHousing Extra Assistance second mortgage term", "source_name": "RIHousing: Extra Assistance", "source_url": "https://www.rihousing.com/homebuyers/extra-assistance/", "as_of": "2026-04-30", "period": null, "note": null, "updated_at": "2026-10-29 07:55:49" }, { "key": "hfa_income_limit", "region": "RI", "value": "134520", "unit": "usd", "label": "RIHousing Loan Center income limit, Providence area, households of one or two", "source_name": "RIHousing: Homebuyers", "source_url": "https://www.rihousing.com/homebuyers/", "as_of": "2026-10-29", "period": null, "note": "$156,940 for three or more; higher in the Westerly and Newport areas; participating lenders can serve buyers at any income; checked Oct 2026", "updated_at": "2026-10-29 07:55:49" }, { "key": "hfa_min_score", "region": "RI", "value": "660", "unit": "score", "label": "RIHousing 15kDPA minimum credit score", "source_name": "RIHousing: 15kDPA", "source_url": "https://www.rihousing.com/homebuyers/15k-dpa/", "as_of": "2026-04-30", "period": null, "note": null, "updated_at": "2026-10-29 07:55:49" }, { "key": "hfa_price_limit", "region": "RI", "value": "915883", "unit": "usd", "label": "RIHousing maximum purchase price, bond-financed first-time buyer loans", "source_name": "RIHousing: Homebuyers", "source_url": "https://www.rihousing.com/homebuyers/", "as_of": "2026-10-29", "period": null, "note": "All mortgage revenue bond programs; checked Oct 2026", "updated_at": "2026-10-29 07:55:49" }, { "key": "transfer_tax_rate", "region": "RI", "value": "0.75", "unit": "pct", "label": "State real estate transfer tax", "source_name": "Rhode Island Division of Taxation", "source_url": "https://tax.ri.gov/sites/g/files/xkgbur541/files/2025-08/NOTICE_2025-05_Conveyance_Tax_Increase.pdf", "as_of": "2025-08-21", "period": null, "note": "$3.75 per $500 since Oct 1, 2025, plus $3.75 per $500 on residential value above $800,000", "updated_at": "2026-10-28 21:47:44" }, { "key": "transfer_tax_tier_threshold", "region": "RI", "value": "800000", "unit": "usd", "label": "Rhode Island conveyance tax: second tier applies to residential value above", "source_name": "RI Division of Taxation: Notice 2025-05", "source_url": "https://tax.ri.gov/sites/g/files/xkgbur541/files/2025-08/NOTICE_2025-05_Conveyance_Tax_Increase.pdf", "as_of": "2025-08-21", "period": null, "note": "Extra $3.75 per $500 on the amount above $800,000, from October 1, 2025", "updated_at": "2026-10-29 07:55:49" }, { "key": "acs_median_income", "region": "SC", "value": "72350", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US45", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±959", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "SC", "value": "1272", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US45", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±28", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "SC", "value": "1337", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US45", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±15", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "SC", "value": "299500", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US45", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±3303", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "SC", "value": "1993", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US45", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "SC", "value": "1627", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US45", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±19", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "SC", "value": "72.3", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US45", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "SC", "value": "0.45", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US45", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "assessment_ratio_other", "region": "SC", "value": "6", "unit": "pct", "label": "South Carolina assessment ratio for second homes, vacation homes and other real property", "source_name": "SCDOR Individual Property Tax manual, Chapter 5 (S.C. Code § 12-43-220)", "source_url": "https://dor.sc.gov/sites/dor/files/Documents/Policy%20Manuals/SCTIED-2025-Chapter%205.pdf", "as_of": "2025-09-01", "period": "2025", "note": "Commercial property and vacant land are also assessed at 6%", "updated_at": "2026-10-29 07:53:48" }, { "key": "assessment_ratio_primary", "region": "SC", "value": "4", "unit": "pct", "label": "South Carolina assessment ratio for an owner-occupied legal residence", "source_name": "South Carolina Department of Revenue: Property Tax Exemptions", "source_url": "https://dor.sc.gov/property/property-tax-exemptions", "as_of": "2026-10-29", "period": null, "note": "Apply through the county assessor. Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "hfa_dpa_forgive_years", "region": "SC", "value": "15", "unit": "years", "label": "SC Housing Homebuyer Program down payment assistance is forgiven after", "source_name": "SC Housing: SC Housing Homebuyer Program", "source_url": "https://schousing.sc.gov/homebuyers/programs-homebuyers/sc-housing-homebuyer-program", "as_of": "2026-10-29", "period": null, "note": "0% second lien with a 15-year (180-month) term, forgiven if the borrower stays in the home for the full term, county income and price limits. Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "hfa_dpa_max_pct", "region": "SC", "value": "4", "unit": "pct", "label": "SC Housing Palmetto Home Advantage forgivable down payment assistance, up to (share of the loan amount)", "source_name": "SC Housing: Palmetto Home Advantage", "source_url": "https://schousing.sc.gov/homebuyers/programs-homebuyers/palmetto-home-advantage", "as_of": "2026-10-29", "period": null, "note": "Options of 0%, 3% or 4% of the loan amount, no monthly payment, no first-time buyer requirement. Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "hfa_income_limit", "region": "SC", "value": "135750", "unit": "usd", "label": "SC Housing Palmetto Home Advantage borrower income limit", "source_name": "SC Housing: Palmetto Home Advantage", "source_url": "https://schousing.sc.gov/homebuyers/programs-homebuyers/palmetto-home-advantage", "as_of": "2026-10-29", "period": null, "note": "Not based on total household income. Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "hfa_min_score", "region": "SC", "value": "640", "unit": "score", "label": "SC Housing Palmetto Home Advantage minimum credit score", "source_name": "SC Housing: Palmetto Home Advantage", "source_url": "https://schousing.sc.gov/homebuyers/programs-homebuyers/palmetto-home-advantage", "as_of": "2026-10-29", "period": null, "note": "All program options. Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "homestead_exemption", "region": "SC", "value": "50000", "unit": "usd", "label": "South Carolina Homestead Exemption for owners 65+, disabled or blind (fair market value of the legal residence exempt)", "source_name": "South Carolina Department of Revenue: Property Tax Exemptions", "source_url": "https://dor.sc.gov/property/property-tax-exemptions", "as_of": "2026-10-29", "period": null, "note": "Administered by the county auditor. An additional temporary exemption was authorized for tax year 2026. Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "primary_rental_days_max", "region": "SC", "value": "72", "unit": "days", "label": "A South Carolina legal residence rented out for more than this many days in a tax year loses the 4% ratio", "source_name": "SCDOR Individual Property Tax manual, Chapter 5 (S.C. Code § 12-43-220)", "source_url": "https://dor.sc.gov/sites/dor/files/Documents/Policy%20Manuals/SCTIED-2025-Chapter%205.pdf", "as_of": "2025-09-01", "period": "2025", "note": null, "updated_at": "2026-10-29 07:53:48" }, { "key": "transfer_tax_rate", "region": "SC", "value": "0.37", "unit": "pct", "label": "State real estate transfer tax", "source_name": "South Carolina Department of Revenue", "source_url": "https://dor.sc.gov/tax-index/deed-recording-fee", "as_of": "2026-10-28", "period": null, "note": "State $1.30 plus county $0.55 per $500", "updated_at": "2026-10-28 21:47:44" }, { "key": "acs_median_income", "region": "SD", "value": "76881", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US46", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±1990", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "SD", "value": "999", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US46", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±31", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "SD", "value": "2940", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US46", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±67", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "SD", "value": "289600", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US46", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±6421", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "SD", "value": "1984", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US46", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±2", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "SD", "value": "1739", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US46", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±37", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "SD", "value": "68.3", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US46", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "SD", "value": "1.02", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US46", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "hfa_dpa_max_pct", "region": "SD", "value": "5", "unit": "pct", "label": "SD Housing Fixed Rate Plus down payment and closing-cost assistance, up to (share of the loan amount)", "source_name": "South Dakota Housing: Downpayment Assistance", "source_url": "https://www.sdhousing.org/ready-to-buy/available-programs/downpayment-assistance", "as_of": "2026-10-29", "period": null, "note": "3% or 5% of the first mortgage loan amount as a 0% second mortgage, no payments, due on sale or satisfaction. Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "hfa_ftb_years", "region": "SD", "value": "3", "unit": "years", "label": "SD Housing first-time buyer: no home owned in the past", "source_name": "South Dakota Housing: First-Time Homebuyer", "source_url": "https://www.sdhousing.org/ready-to-buy/first-time-homebuyer", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "hfa_price_limit", "region": "SD", "value": "410000", "unit": "usd", "label": "SD Housing first-time homebuyer program purchase price limit", "source_name": "South Dakota Housing: First-Time Homebuyer", "source_url": "https://www.sdhousing.org/ready-to-buy/first-time-homebuyer", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "transfer_tax_rate", "region": "SD", "value": "0.1", "unit": "pct", "label": "State real estate transfer tax", "source_name": "SDCL 43-4-21", "source_url": "https://sdlegislature.gov/api/Statutes/43-4-21.html?all=true", "as_of": "2026-10-28", "period": null, "note": "$0.50 per $500 of value", "updated_at": "2026-10-28 21:47:44" }, { "key": "acs_median_income", "region": "TN", "value": "71997", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US47", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±638", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "TN", "value": "1284", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US47", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±16", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "TN", "value": "1488", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US47", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±17", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "TN", "value": "332600", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US47", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±2448", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "TN", "value": "1988", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US47", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±2", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "TN", "value": "1637", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US47", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±16", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "TN", "value": "66.8", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US47", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "TN", "value": "0.45", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US47", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "hfa_dpa_deferred_max", "region": "TN", "value": "10000", "unit": "usd", "label": "THDA Great Choice Plus deferred (forgivable) assistance, up to", "source_name": "Tennessee Housing Development Agency: Down Payment Assistance", "source_url": "https://thda.org/homebuyers/down-payment-assistance/", "as_of": "2026-10-29", "period": null, "note": "Up to $6,000 or up to $10,000 as a 0% second mortgage with no payments, due in full on sale or refinance during the term. Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "hfa_dpa_forgive_years", "region": "TN", "value": "10", "unit": "years", "label": "THDA Great Choice Plus deferred assistance is forgiven after", "source_name": "Tennessee Housing Development Agency: Down Payment Assistance", "source_url": "https://thda.org/homebuyers/down-payment-assistance/", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "hfa_dpa_max", "region": "TN", "value": "15000", "unit": "usd", "label": "THDA Great Choice Plus amortizing assistance, up to", "source_name": "Tennessee Housing Development Agency: Down Payment Assistance", "source_url": "https://thda.org/homebuyers/down-payment-assistance/", "as_of": "2026-10-29", "period": null, "note": "Up to 5% of the sales price, maximum $15,000, 30-year amortizing second loan at the first-mortgage rate. Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "hfa_dpa_max_pct", "region": "TN", "value": "5", "unit": "pct", "label": "THDA Great Choice Plus amortizing assistance, up to (share of the sales price)", "source_name": "Tennessee Housing Development Agency: Down Payment Assistance", "source_url": "https://thda.org/homebuyers/down-payment-assistance/", "as_of": "2026-10-29", "period": null, "note": "Capped at $15,000. Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "hfa_min_score", "region": "TN", "value": "640", "unit": "score", "label": "THDA Great Choice Home Loan minimum credit score (every borrower)", "source_name": "Tennessee Housing Development Agency: Great Choice Home Loan", "source_url": "https://thda.org/homebuyers/first-time-homebuyers/", "as_of": "2026-10-29", "period": null, "note": "Homebuyer education is required for down payment assistance. Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "mortgage_tax_exempt_first", "region": "TN", "value": "2000", "unit": "usd", "label": "Tennessee mortgage tax: exempt first part of the debt", "source_name": "Tennessee Department of Revenue", "source_url": "https://www.tn.gov/revenue/taxes/local-taxes/recordation-taxes/due-date-tax-rate.html", "as_of": "2024-05-06", "period": null, "note": "$0.115 per $100 of indebtedness above the first $2,000", "updated_at": "2026-10-29 07:53:48" }, { "key": "mortgage_tax_rate", "region": "TN", "value": "0.115", "unit": "pct", "label": "State tax on recording a mortgage", "source_name": "Tennessee Department of Revenue", "source_url": "https://www.tn.gov/revenue/taxes/local-taxes/recordation-taxes/due-date-tax-rate.html", "as_of": "2024-05-06", "period": null, "note": "$0.115 per $100 of debt above the first $2,000", "updated_at": "2026-10-28 21:47:44" }, { "key": "transfer_tax_rate", "region": "TN", "value": "0.37", "unit": "pct", "label": "State real estate transfer tax", "source_name": "Tennessee Department of Revenue", "source_url": "https://www.tn.gov/revenue/taxes/local-taxes/recordation-taxes/due-date-tax-rate.html", "as_of": "2024-05-06", "period": null, "note": "$0.37 per $100 of the purchase price", "updated_at": "2026-10-28 21:47:44" }, { "key": "acs_median_income", "region": "TX", "value": "79721", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US48", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±564", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "TX", "value": "1475", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US48", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±8", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "TX", "value": "4108", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US48", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±42", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "TX", "value": "313200", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US48", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±1780", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "TX", "value": "1994", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US48", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "TX", "value": "2211", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US48", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±12", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "TX", "value": "62.3", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US48", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "TX", "value": "1.31", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US48", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "tdhca_dpa_max", "region": "TX", "value": "5", "unit": "pct", "label": "TDHCA My First Texas Home assistance, high end (share of loan)", "source_name": "Texas Department of Housing and Community Affairs", "source_url": "https://welcomehome.tdhca.texas.gov/uploads/My-First-Texas-Home-Program-Matrix-TMS.pdf", "as_of": "2026-08-17", "period": "Program matrix Aug 17, 2026", "note": null, "updated_at": "2026-10-28 19:25:10" }, { "key": "tdhca_dpa_min", "region": "TX", "value": "2", "unit": "pct", "label": "TDHCA My First Texas Home assistance, low end (share of loan)", "source_name": "Texas Department of Housing and Community Affairs", "source_url": "https://welcomehome.tdhca.texas.gov/uploads/My-First-Texas-Home-Program-Matrix-TMS.pdf", "as_of": "2026-08-17", "period": "Program matrix Aug 17, 2026", "note": "Subject to funding", "updated_at": "2026-10-28 19:25:10" }, { "key": "tdhca_forgive_months", "region": "TX", "value": "36", "unit": "months", "label": "TDHCA forgivable second lien is forgiven after", "source_name": "Texas Department of Housing and Community Affairs", "source_url": "https://welcomehome.tdhca.texas.gov/uploads/My-First-Texas-Home-Program-Matrix-TMS.pdf", "as_of": "2026-08-17", "period": null, "note": "0% interest; if current on the first lien and the home remains your principal residence", "updated_at": "2026-10-28 22:27:08" }, { "key": "tdhca_ftb_years", "region": "TX", "value": "3", "unit": "years", "label": "TDHCA first-time buyer test: no owned and occupied home in the last", "source_name": "Texas Department of Housing and Community Affairs", "source_url": "https://welcomehome.tdhca.texas.gov/uploads/My-First-Texas-Home-Program-Matrix-TMS.pdf", "as_of": "2026-08-17", "period": "Program matrix Aug 17, 2026", "note": "Veterans and targeted-area purchases are exempt", "updated_at": "2026-10-28 19:25:10" }, { "key": "tdhca_mcc_fee", "region": "TX", "value": "400", "unit": "usd", "label": "TDHCA Mortgage Credit Certificate issuance fee", "source_name": "Texas Department of Housing and Community Affairs", "source_url": "https://welcomehome.tdhca.texas.gov/uploads/My-First-Texas-Home-Program-Matrix-TMS.pdf", "as_of": "2026-08-17", "period": null, "note": "Charged if applicable; MCC cannot be combined with the bond-only option", "updated_at": "2026-10-28 22:27:08" }, { "key": "tdhca_min_score", "region": "TX", "value": "620", "unit": "score", "label": "TDHCA My First Texas Home minimum middle credit score", "source_name": "Texas Department of Housing and Community Affairs", "source_url": "https://welcomehome.tdhca.texas.gov/uploads/My-First-Texas-Home-Program-Matrix-TMS.pdf", "as_of": "2026-08-17", "period": "Program matrix Aug 17, 2026", "note": null, "updated_at": "2026-10-28 19:25:10" }, { "key": "transfer_tax_rate", "region": "TX", "value": "0", "unit": "pct", "label": "State real estate transfer tax", "source_name": "Texas Constitution, Art. VIII §29", "source_url": "https://capitol.texas.gov/tlodocs/84R/amendments/html/SJ00001H21.HTM", "as_of": "2016-01-01", "period": null, "note": "Transfer taxes are prohibited", "updated_at": "2026-10-28 21:47:44" }, { "key": "tsahc_dpa_max", "region": "TX", "value": "5", "unit": "pct", "label": "TSAHC down payment assistance, up to (share of loan)", "source_name": "Texas State Affordable Housing Corporation", "source_url": "https://www.tsahc.org/landing/home-down-payment-assistance", "as_of": "2026-10-28", "period": null, "note": "Grant, 3-year forgivable or repayable second lien", "updated_at": "2026-10-28 19:25:10" }, { "key": "tsahc_forgive_years", "region": "TX", "value": "3", "unit": "years", "label": "TSAHC forgivable second lien is forgiven after", "source_name": "Texas State Affordable Housing Corporation", "source_url": "https://www.tsahc.org/landing/home-down-payment-assistance", "as_of": "2026-10-28", "period": null, "note": null, "updated_at": "2026-10-28 19:25:10" }, { "key": "tsahc_mcc_rate", "region": "TX", "value": "15", "unit": "pct", "label": "TSAHC Mortgage Credit Certificate rate (share of mortgage interest)", "source_name": "Texas State Affordable Housing Corporation", "source_url": "https://www.tsahc.org/homebuyers-renters/mcc-calculator/", "as_of": "2026-10-28", "period": null, "note": "Checked Oct 2026; stand-alone MCC discontinued, available only with TSAHC DPA and No-DPA loans", "updated_at": "2026-10-28 22:27:08" }, { "key": "tx_he_fee_cap", "region": "TX", "value": "2", "unit": "pct", "label": "Texas home equity fee cap (share of original principal)", "source_name": "Texas Constitution, Art. XVI §50(a)(6)(E)", "source_url": "https://capitol.texas.gov/tlodocs/85R/billtext/pdf/SJ00060E.pdf", "as_of": "2017-11-07", "period": null, "note": "Some charges are excluded", "updated_at": "2026-10-28 19:25:10" }, { "key": "tx_he_frequency_months", "region": "TX", "value": "12", "unit": "months", "label": "Texas: a new home equity loan on the same homestead generally cannot close until this long after the last one", "source_name": "Texas Constitution, Art. XVI, Sec. 50(a)(6)(M)(iii)", "source_url": "https://capitol.texas.gov/tlodocs/85R/billtext/pdf/SJ00060E.pdf", "as_of": "2017-11-07", "period": null, "note": "First anniversary of the prior closing; limited exceptions", "updated_at": "2026-10-28 22:29:38" }, { "key": "tx_he_max_cltv", "region": "TX", "value": "80", "unit": "pct", "label": "Maximum combined loan-to-value for Texas home equity loans", "source_name": "Texas Constitution, Art. XVI §50(a)(6)", "source_url": "https://capitol.texas.gov/tlodocs/85R/billtext/pdf/SJ00060E.pdf", "as_of": "2017-11-07", "period": null, "note": "Applies to home equity loans, HELOCs and cash-out refinances of a homestead", "updated_at": "2026-10-28 19:25:10" }, { "key": "tx_he_rescind_days", "region": "TX", "value": "3", "unit": "days", "label": "Texas: owner and spouse may rescind a home equity loan within this many days after it is made", "source_name": "Texas Constitution, Art. XVI, Sec. 50(a)(6)(Q)(viii)", "source_url": "https://capitol.texas.gov/tlodocs/85R/billtext/pdf/SJ00060E.pdf", "as_of": "2017-11-07", "period": null, "note": "Without penalty or charge", "updated_at": "2026-10-28 22:29:38" }, { "key": "tx_he_wait_days", "region": "TX", "value": "12", "unit": "days", "label": "Minimum wait after application before a Texas home equity loan can close", "source_name": "Texas Constitution, Art. XVI §50(a)(6)(M)(i)", "source_url": "https://capitol.texas.gov/tlodocs/85R/billtext/pdf/SJ00060E.pdf", "as_of": "2017-11-07", "period": null, "note": null, "updated_at": "2026-10-28 19:25:10" }, { "key": "tx_heloc_min_advance", "region": "TX", "value": "4000", "unit": "usd", "label": "Texas HELOC: smallest single advance allowed", "source_name": "Texas Constitution, Art. XVI, Sec. 50(t)(2)", "source_url": "https://capitol.texas.gov/tlodocs/85R/billtext/pdf/SJ00060E.pdf", "as_of": "2017-11-07", "period": null, "note": "Advances cannot be taken with a credit card, debit card or unsolicited preprinted check", "updated_at": "2026-10-28 22:29:38" }, { "key": "tx_ho_ins_avg", "region": "TX", "value": "3489", "unit": "usd_year", "label": "Average Texas homeowners insurance premium", "source_name": "Texas Department of Insurance", "source_url": "https://www.tdi.texas.gov/general/texas-homeowners-insurance-market-overview.html", "as_of": "2026-10-28", "period": "2025 (preliminary)", "note": "Texas Statistical Plan for Residential Risks", "updated_at": "2026-10-28 19:25:10" }, { "key": "tx_ho_ins_avg_2016", "region": "TX", "value": "1791", "unit": "usd_year", "label": "Average Texas homeowners insurance premium, 2016", "source_name": "Texas Department of Insurance", "source_url": "https://www.tdi.texas.gov/general/texas-homeowners-insurance-market-overview.html", "as_of": "2026-10-28", "period": "2016", "note": null, "updated_at": "2026-10-28 19:25:10" }, { "key": "tx_ho_ins_avg_2024", "region": "TX", "value": "3291", "unit": "usd_year", "label": "Average Texas homeowners insurance premium, 2024", "source_name": "Texas Department of Insurance", "source_url": "https://www.tdi.texas.gov/general/texas-homeowners-insurance-market-overview.html", "as_of": "2026-10-28", "period": "2024", "note": null, "updated_at": "2026-10-28 19:25:10" }, { "key": "tx_homestead_65_extra", "region": "TX", "value": "60000", "unit": "usd", "label": "Additional school homestead exemption, age 65+ or disabled", "source_name": "Texas Comptroller", "source_url": "https://comptroller.texas.gov/taxes/property-tax/exemptions/", "as_of": "2025-12-11", "period": null, "note": "Tax Code Section 11.13(c)", "updated_at": "2026-10-28 19:25:10" }, { "key": "tx_homestead_school", "region": "TX", "value": "140000", "unit": "usd", "label": "School district residence homestead exemption", "source_name": "Texas Comptroller", "source_url": "https://comptroller.texas.gov/taxes/property-tax/exemptions/", "as_of": "2025-12-11", "period": null, "note": "Tax Code Section 11.13(b)", "updated_at": "2026-10-28 19:25:10" }, { "key": "tx_state_property_tax", "region": "TX", "value": "None", "unit": "text", "label": "State-level property tax", "source_name": "Texas Comptroller", "source_url": "https://comptroller.texas.gov/taxes/property-tax/exemptions/", "as_of": "2025-12-11", "period": null, "note": "Property taxes are local", "updated_at": "2026-10-28 19:25:10" }, { "key": "tx_title_base", "region": "TX", "value": "780", "unit": "usd", "label": "Texas basic title premium for a $100,000 policy", "source_name": "Texas Department of Insurance", "source_url": "https://www.tdi.texas.gov/title/titlerates2026.html", "as_of": "2026-03-01", "period": "Rates effective Mar 1, 2026", "note": "Promulgated rate set by the state", "updated_at": "2026-10-28 19:25:10" }, { "key": "tx_title_per_1000", "region": "TX", "value": "4.94", "unit": "usd_per_1000", "label": "Texas basic title premium per $1,000 above $100,000", "source_name": "Texas Department of Insurance", "source_url": "https://www.tdi.texas.gov/title/titlerates2026.html", "as_of": "2026-03-01", "period": "Rates effective Mar 1, 2026", "note": null, "updated_at": "2026-10-28 19:25:10" }, { "key": "tx_transfer_tax", "region": "TX", "value": "Prohibited", "unit": "text", "label": "Real estate transfer tax", "source_name": "Texas Constitution, Art. VIII §29", "source_url": "https://capitol.texas.gov/tlodocs/84R/amendments/html/SJ00001H21.HTM", "as_of": "2016-01-01", "period": null, "note": "No law may impose a transfer tax on conveying fee simple title (after Jan 1, 2016)", "updated_at": "2026-10-28 19:25:10" }, { "key": "tx_twia_counties", "region": "TX", "value": "14", "unit": "count", "label": "First-tier coastal counties in the TWIA windstorm area", "source_name": "Texas Windstorm Insurance Association", "source_url": "https://www.twia.org/coverage-eligibility/", "as_of": "2026-10-28", "period": null, "note": "Plus parts of Harris County east of Highway 146", "updated_at": "2026-10-28 19:25:10" }, { "key": "acs_median_income", "region": "UT", "value": "96658", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US49", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±1179", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "UT", "value": "1593", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US49", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±27", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "UT", "value": "2648", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US49", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±22", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "UT", "value": "545200", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US49", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±6188", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "UT", "value": "1994", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US49", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±2", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "UT", "value": "2143", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US49", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±28", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "UT", "value": "69.6", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US49", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "UT", "value": "0.49", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US49", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "hfa_dpa_max", "region": "UT", "value": "20000", "unit": "usd", "label": "Utah First-Time Homebuyer Assistance Program (new construction), up to", "source_name": "Utah Housing Corporation: First-time Homebuyer Program Assistance (SB 240)", "source_url": "https://utahhousingcorp.org/homebuyer/sb240/", "as_of": "2026-10-29", "period": null, "note": "For first-time buyers of a newly built, never-occupied home with a Utah Housing mortgage, down payment, closing costs or rate buydown, funds available until depleted. Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "hfa_min_score", "region": "UT", "value": "660", "unit": "score", "label": "Utah Housing FirstHome loan minimum credit score", "source_name": "Utah Housing Corporation: Homeownership Programs", "source_url": "https://utahhousingcorp.org/homebuyer/homeownershipprograms/", "as_of": "2026-10-29", "period": null, "note": "FHA/VA loans 620, HFA Advantage 680. Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "hfa_price_limit", "region": "UT", "value": "450000", "unit": "usd", "label": "Utah First-Time Homebuyer Assistance Program purchase price limit", "source_name": "Utah Housing Corporation: First-time Homebuyer Program Assistance (SB 240)", "source_url": "https://utahhousingcorp.org/homebuyer/sb240/", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "homestead_exemption", "region": "UT", "value": "45", "unit": "pct", "label": "Utah primary residential exemption (share of market value exempt from property tax)", "source_name": "Utah State Tax Commission: Primary Residential Exemption", "source_url": "https://tax.utah.gov/propertytax/tax-relief/primary-residential-exemption/", "as_of": "2026-10-29", "period": null, "note": "Utah Code § 59-2-103. Taxable value is 55% of fair market value. Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "homestead_occupancy_days", "region": "UT", "value": "183", "unit": "days", "label": "Utah primary residential exemption: home occupied as a primary residence for at least (consecutive days a year)", "source_name": "Utah State Tax Commission: Primary Residential Exemption", "source_url": "https://tax.utah.gov/propertytax/tax-relief/primary-residential-exemption/", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "transfer_tax_rate", "region": "UT", "value": "0", "unit": "pct", "label": "State real estate transfer tax", "source_name": "National Association of Realtors", "source_url": "https://narfocus.com/publication-issue/view/2023-07-05-state-and-local-issues-real-estate-transfer-tax", "as_of": "2023-07-05", "period": null, "note": "No statewide transfer tax", "updated_at": "2026-10-28 21:47:44" }, { "key": "acs_median_income", "region": "VA", "value": "92090", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US51", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±831", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "VA", "value": "1646", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US51", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±16", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "VA", "value": "2872", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US51", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±25", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "VA", "value": "403500", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US51", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±3411", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "VA", "value": "1985", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US51", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "VA", "value": "2149", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US51", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±17", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "VA", "value": "67.1", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US51", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "VA", "value": "0.71", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US51", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "grantor_tax_rate", "region": "VA", "value": "0.1", "unit": "pct", "label": "Virginia grantor tax on deeds (paid by the grantor unless the parties agree otherwise)", "source_name": "Code of Virginia § 58.1-802", "source_url": "https://law.lis.virginia.gov/vacodefull/title58.1/chapter8/", "as_of": "2026-10-29", "period": null, "note": "50 cents per $500. Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "hfa_dpa_max_pct", "region": "VA", "value": "5", "unit": "pct", "label": "Virginia Housing Plus Second Mortgage, up to (share of the purchase price)", "source_name": "Virginia Housing: Plus Second Mortgage", "source_url": "https://www.virginiahousing.com/homebuyers/plus-second-mortgage", "as_of": "2026-10-29", "period": null, "note": "30-year fixed-rate second mortgage for first-time or repeat buyers within income limits. Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "hfa_min_score", "region": "VA", "value": "620", "unit": "score", "label": "Virginia Housing FHA, VA and USDA loans: credit scores as low as", "source_name": "Virginia Housing: Home Loans", "source_url": "https://www.virginiahousing.com/homebuyers/home-loans", "as_of": "2026-10-29", "period": null, "note": "Conventional loans: 640 minimum. Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "local_recordation_share", "region": "VA", "value": "one-third", "unit": "text", "label": "Local recordation tax a Virginia city or county may add (share of the state recordation tax)", "source_name": "Code of Virginia § 58.1-814", "source_url": "https://law.lis.virginia.gov/vacodefull/title58.1/chapter8/", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "mortgage_tax_rate", "region": "VA", "value": "0.25", "unit": "pct", "label": "State tax on recording a mortgage", "source_name": "Code of Virginia, Title 58.1, Chapter 8", "source_url": "https://law.lis.virginia.gov/vacodefull/title58.1/chapter8/", "as_of": "2026-10-28", "period": null, "note": "$0.25 per $100 on deeds of trust (lower rates on refinances and above $10 million)", "updated_at": "2026-10-28 21:47:44" }, { "key": "recordation_tax_rate", "region": "VA", "value": "0.25", "unit": "pct", "label": "Virginia state recordation tax on deeds (on the greater of price or value)", "source_name": "Code of Virginia § 58.1-801", "source_url": "https://law.lis.virginia.gov/vacodefull/title58.1/chapter8/", "as_of": "2026-10-29", "period": null, "note": "25 cents per $100. Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "transfer_tax_rate", "region": "VA", "value": "0.35", "unit": "pct", "label": "State real estate transfer tax", "source_name": "Code of Virginia, Title 58.1, Chapter 8", "source_url": "https://law.lis.virginia.gov/vacodefull/title58.1/chapter8/", "as_of": "2026-10-28", "period": null, "note": "Recordation $0.25 plus grantor tax $0.10 per $100; localities may add", "updated_at": "2026-10-28 21:47:44" }, { "key": "acs_median_income", "region": "VT", "value": "82730", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US50", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±1846", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "VT", "value": "1319", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US50", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±54", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "VT", "value": "5026", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US50", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±131", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "VT", "value": "352800", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US50", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±7277", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "VT", "value": "1977", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US50", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "VT", "value": "1893", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US50", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±40", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "VT", "value": "73.2", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US50", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "VT", "value": "1.42", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US50", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "hfa_dpa_max", "region": "VT", "value": "10000", "unit": "usd", "label": "VHFA ASSIST down payment and closing-cost loan, up to", "source_name": "Vermont Housing Finance Agency: Homebuyer Programs", "source_url": "https://vhfa.org/homebuyers", "as_of": "2026-10-29", "period": null, "note": "0% deferred loan, no monthly payments, repaid at sale, refinance or payoff, with VHFA MOVE only, for buyers who have never owned a home and have under $20,000 in liquid assets. Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "hfa_grant_max", "region": "VT", "value": "15000", "unit": "usd", "label": "VHFA First Generation Homebuyer Grant", "source_name": "Vermont Housing Finance Agency: Homebuyer Programs", "source_url": "https://vhfa.org/homebuyers", "as_of": "2026-10-29", "period": null, "note": "For first-generation buyers, with MOVE, MOVE MCC or ADVANTAGE. Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "hfa_min_score", "region": "VT", "value": "640", "unit": "score", "label": "VHFA minimum credit score (640–680 depending on program), from", "source_name": "Vermont Housing Finance Agency: Homebuyer Programs", "source_url": "https://vhfa.org/homebuyers", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "transfer_tax_hfa_exempt", "region": "VT", "value": "250000", "unit": "usd", "label": "Vermont transfer tax exemption for purchases with VHFA, CVTF or USDA assistance (first part of the price)", "source_name": "Vermont Department of Taxes: Property Transfer Tax", "source_url": "https://tax.vermont.gov/property/property-transfer-tax", "as_of": "2026-10-29", "period": null, "note": "Value above the exempt amount is taxed at 1.47%. Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "transfer_tax_rate", "region": "VT", "value": "0.5", "unit": "pct", "label": "State real estate transfer tax", "source_name": "Vermont Department of Taxes", "source_url": "https://tax.vermont.gov/property/property-transfer-tax", "as_of": "2026-10-28", "period": null, "note": "Principal residence: 0.5% on the first $200,000 and 1.47% above; other homes 3.62%; the buyer pays", "updated_at": "2026-10-28 21:47:44" }, { "key": "transfer_tax_rate_nonprimary", "region": "VT", "value": "3.62", "unit": "pct", "label": "Vermont property transfer tax on a year-round home that is not a principal residence or long-term rental (incl. surcharge)", "source_name": "Vermont Department of Taxes: Property Transfer Tax", "source_url": "https://tax.vermont.gov/property/property-transfer-tax", "as_of": "2026-10-29", "period": null, "note": "3.40% plus 0.22% Clean Water Surcharge. Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "transfer_tax_rate_top", "region": "VT", "value": "1.47", "unit": "pct", "label": "Vermont property transfer tax on principal-residence value above the first $200,000 (1.25% plus 0.22% Clean Water Surcharge)", "source_name": "Vermont Department of Taxes: Property Transfer Tax", "source_url": "https://tax.vermont.gov/property/property-transfer-tax", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "transfer_tax_tier1_max", "region": "VT", "value": "200000", "unit": "usd", "label": "Vermont principal-residence transfer tax: 0.5% rate applies to the first", "source_name": "Vermont Department of Taxes: Property Transfer Tax", "source_url": "https://tax.vermont.gov/property/property-transfer-tax", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "acs_median_income", "region": "WA", "value": "99389", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US53", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±1322", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "WA", "value": "1824", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US53", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±14", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "WA", "value": "4729", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US53", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±41", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "WA", "value": "602200", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US53", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±3897", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "WA", "value": "1987", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US53", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "WA", "value": "2519", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US53", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±24", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "WA", "value": "62.9", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US53", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "WA", "value": "0.79", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US53", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "hfa_dpa_max_pct", "region": "WA", "value": "5", "unit": "pct", "label": "WSHFC Home Advantage down payment assistance, up to (share of the mortgage loan amount)", "source_name": "Washington State Housing Finance Commission: Home buyers", "source_url": "https://heretohome.org/home-buyers/", "as_of": "2026-10-29", "period": null, "note": "3–5% of the mortgage loan amount as a second loan, no first-time buyer requirement. Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "hfa_dpa_min_pct", "region": "WA", "value": "3", "unit": "pct", "label": "WSHFC Home Advantage down payment assistance, from (share of the mortgage loan amount)", "source_name": "Washington State Housing Finance Commission: Home buyers", "source_url": "https://heretohome.org/home-buyers/", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "hfa_income_limit", "region": "WA", "value": "215000", "unit": "usd", "label": "WSHFC Home Advantage household income limit (statewide)", "source_name": "Washington State Housing Finance Commission: Home buyers", "source_url": "https://heretohome.org/home-buyers/", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "transfer_tax_rate", "region": "WA", "value": "1.1", "unit": "pct", "label": "State real estate transfer tax", "source_name": "Washington Department of Revenue", "source_url": "https://dor.wa.gov/taxes-rates/other-taxes/real-estate-excise-tax", "as_of": "2026-10-28", "period": null, "note": "Graduated: 1.1% up to $525,000, 1.28% to $1,525,000, 2.75% to $3,025,000, 3% above; usually paid by the seller", "updated_at": "2026-10-28 21:47:44" }, { "key": "transfer_tax_rate_tier2", "region": "WA", "value": "1.28", "unit": "pct", "label": "Washington state REET rate on the part of the price above the first bracket, up to $1,525,000", "source_name": "Washington Department of Revenue: Real estate excise tax", "source_url": "https://dor.wa.gov/taxes-rates/other-taxes/real-estate-excise-tax", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "transfer_tax_rate_tier3", "region": "WA", "value": "2.75", "unit": "pct", "label": "Washington state REET rate on the part of the price from $1,525,000 to $3,025,000", "source_name": "Washington Department of Revenue: Real estate excise tax", "source_url": "https://dor.wa.gov/taxes-rates/other-taxes/real-estate-excise-tax", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "transfer_tax_rate_top", "region": "WA", "value": "3", "unit": "pct", "label": "Washington state REET rate on the part of the price above $3,025,000", "source_name": "Washington Department of Revenue: Real estate excise tax", "source_url": "https://dor.wa.gov/taxes-rates/other-taxes/real-estate-excise-tax", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "transfer_tax_tier1_max", "region": "WA", "value": "525000", "unit": "usd", "label": "Washington state REET: 1.1% bracket applies to the part of the price up to", "source_name": "Washington Department of Revenue: Real estate excise tax", "source_url": "https://dor.wa.gov/taxes-rates/other-taxes/real-estate-excise-tax", "as_of": "2026-10-29", "period": null, "note": "Graduated structure effective Jan 1, 2023. Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "transfer_tax_tier1_max_next", "region": "WA", "value": "551000", "unit": "usd", "label": "Washington state REET: first-bracket threshold from January 1, 2027", "source_name": "Washington Department of Revenue: Real estate excise tax", "source_url": "https://dor.wa.gov/taxes-rates/other-taxes/real-estate-excise-tax", "as_of": "2026-10-29", "period": null, "note": "New thresholds from Jan 1, 2027: $551,000, $1,551,000 and $3,051,000. Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "transfer_tax_tier2_max", "region": "WA", "value": "1525000", "unit": "usd", "label": "Washington state REET: 1.28% bracket ends at", "source_name": "Washington Department of Revenue: Real estate excise tax", "source_url": "https://dor.wa.gov/taxes-rates/other-taxes/real-estate-excise-tax", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "transfer_tax_tier3_max", "region": "WA", "value": "3025000", "unit": "usd", "label": "Washington state REET: 2.75% bracket ends at", "source_name": "Washington Department of Revenue: Real estate excise tax", "source_url": "https://dor.wa.gov/taxes-rates/other-taxes/real-estate-excise-tax", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "acs_median_income", "region": "WI", "value": "77488", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US55", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±902", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "WI", "value": "1142", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US55", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±10", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "WI", "value": "3680", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US55", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±23", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "WI", "value": "294700", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US55", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±1862", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "WI", "value": "1976", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US55", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "WI", "value": "1701", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US55", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±13", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "WI", "value": "68", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US55", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "WI", "value": "1.25", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US55", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "hfa_dpa_max_pct", "region": "WI", "value": "6", "unit": "pct", "label": "WHEDA Easy Close Advantage DPA, up to (share of the purchase price)", "source_name": "WHEDA: Available Programs", "source_url": "https://www.wheda.com/homeownership-and-renters/home-buyers/available-programs", "as_of": "2026-10-29", "period": null, "note": "Minimum $1,000, 10-year fixed-rate second mortgage with a monthly payment at the first-mortgage rate. Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "hfa_dpa_term_years", "region": "WI", "value": "10", "unit": "years", "label": "WHEDA Easy Close Advantage DPA term", "source_name": "WHEDA: Available Programs", "source_url": "https://www.wheda.com/homeownership-and-renters/home-buyers/available-programs", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "hfa_min_score", "region": "WI", "value": "620", "unit": "score", "label": "WHEDA conventional first mortgage minimum credit score", "source_name": "WHEDA: Available Programs", "source_url": "https://www.wheda.com/homeownership-and-renters/home-buyers/available-programs", "as_of": "2026-10-29", "period": null, "note": "FHA first mortgage: 640. Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "transfer_tax_rate", "region": "WI", "value": "0.3", "unit": "pct", "label": "State real estate transfer tax", "source_name": "Wis. Stat. 77.22", "source_url": "https://docs.legis.wisconsin.gov/statutes/statutes/77/ii/22?view=section", "as_of": "2024-05-17", "period": null, "note": "$0.30 per $100 of value; paid by the seller", "updated_at": "2026-10-28 21:47:44" }, { "key": "acs_median_income", "region": "WV", "value": "60798", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US54", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±1120", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "WV", "value": "883", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US54", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±19", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "WV", "value": "881", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US54", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±19", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "WV", "value": "170800", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US54", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±2594", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "WV", "value": "1977", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US54", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±1", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "WV", "value": "1272", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US54", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±24", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "WV", "value": "75.5", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US54", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "WV", "value": "0.52", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US54", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "hfa_dpa_max", "region": "WV", "value": "12000", "unit": "usd", "label": "WVHDF Low Down Home Loan (down payment and closing-cost assistance), up to", "source_name": "West Virginia Housing Development Fund: Low Down Home Loan increase", "source_url": "https://www.wvhdf.com/wp-content/uploads/2026/01/Low-Down-Home-Loan-Increase_WVHDF_1.21.2026.pdf", "as_of": "2026-01-22", "period": null, "note": "Raised from $8,000 for loans registered or locked from Jan 22, 2026, with the Homeownership and Movin' Up programs", "updated_at": "2026-10-29 07:53:48" }, { "key": "hfa_dpa_rate", "region": "WV", "value": "2", "unit": "pct", "label": "WVHDF Low Down Home Loan fixed interest rate", "source_name": "West Virginia Housing Development Fund: Low Down Home Loan increase", "source_url": "https://www.wvhdf.com/wp-content/uploads/2026/01/Low-Down-Home-Loan-Increase_WVHDF_1.21.2026.pdf", "as_of": "2026-01-22", "period": null, "note": "Fully amortizing", "updated_at": "2026-10-29 07:53:48" }, { "key": "hfa_dpa_term_years", "region": "WV", "value": "15", "unit": "years", "label": "WVHDF Low Down Home Loan term", "source_name": "West Virginia Housing Development Fund: Low Down Home Loan increase", "source_url": "https://www.wvhdf.com/wp-content/uploads/2026/01/Low-Down-Home-Loan-Increase_WVHDF_1.21.2026.pdf", "as_of": "2026-01-22", "period": null, "note": null, "updated_at": "2026-10-29 07:53:48" }, { "key": "hfa_ftb_years", "region": "WV", "value": "3", "unit": "years", "label": "WVHDF Homeownership Program: no ownership interest in a primary residence for the past", "source_name": "West Virginia Housing Development Fund: A guide to WVHDF mortgage programs", "source_url": "https://www.wvhdf.com/a-guide-to-west-virginia-housing-development-fund-mortgage-programs/", "as_of": "2026-10-29", "period": null, "note": "Buyers in targeted counties are exempt. Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "hfa_min_score", "region": "WV", "value": "620", "unit": "score", "label": "WVHDF mortgage programs: minimum credit score, generally", "source_name": "West Virginia Housing Development Fund: A guide to WVHDF mortgage programs", "source_url": "https://www.wvhdf.com/a-guide-to-west-virginia-housing-development-fund-mortgage-programs/", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "homestead_exemption", "region": "WV", "value": "20000", "unit": "usd", "label": "West Virginia homestead exemption for owners 65+ or permanently and totally disabled (assessed value exempt)", "source_name": "West Virginia Tax Division: Property Tax Exemptions", "source_url": "https://tax.wv.gov/Business/PropertyTax/Pages/PropertyTaxExemptions.aspx", "as_of": "2026-10-29", "period": null, "note": "Owner-occupied residential property. Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "transfer_tax_rate", "region": "WV", "value": "0.33", "unit": "pct", "label": "State real estate transfer tax", "source_name": "W. Va. Code 11-22-2", "source_url": "https://code.wvlegislature.gov/pdf/11-22-2/", "as_of": "2026-10-28", "period": null, "note": "State $1.10 plus county $0.55 per $500", "updated_at": "2026-10-28 21:47:44" }, { "key": "acs_median_income", "region": "WY", "value": "75532", "unit": "usd_year", "label": "Median household income", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B19013?g=040XX00US56", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B19013; margin of error ±2468", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_rent", "region": "WY", "value": "998", "unit": "usd_month", "label": "Median gross rent", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25064?g=040XX00US56", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25064; margin of error ±38", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_taxes", "region": "WY", "value": "1947", "unit": "usd_year", "label": "Median real estate taxes paid by homeowners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US56", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25103; margin of error ±50", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_value", "region": "WY", "value": "339500", "unit": "usd", "label": "Median value of owner-occupied homes", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25077?g=040XX00US56", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25077; margin of error ±8452", "updated_at": "2026-10-28 19:25:11" }, { "key": "acs_median_year_built", "region": "WY", "value": "1982", "unit": "year", "label": "Median year homes were built", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25035?g=040XX00US56", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25035; margin of error ±2", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_costs_mortgage", "region": "WY", "value": "1815", "unit": "usd_month", "label": "Median monthly owner costs, homes with a mortgage", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25088?g=040XX00US56", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Retrieved via the Census Reporter API mirror of table B25088; margin of error ±54", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_owner_share", "region": "WY", "value": "71.7", "unit": "pct", "label": "Share of occupied homes lived in by their owners", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25003?g=040XX00US56", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25003 owner-occupied ÷ occupied housing units.", "updated_at": "2026-10-29 07:11:01" }, { "key": "acs_tax_rate", "region": "WY", "value": "0.57", "unit": "pct", "label": "Effective property tax rate (median taxes ÷ median home value)", "source_name": "US Census Bureau, American Community Survey 2024 1-year", "source_url": "https://data.census.gov/table/ACSDT1Y2024.B25103?g=040XX00US56", "as_of": "2024-12-31", "period": "2024 ACS 1-year", "note": "Derived: B25103 median real estate taxes paid ÷ B25077 median value.", "updated_at": "2026-10-29 07:11:01" }, { "key": "hfa_dpa_max", "region": "WY", "value": "15000", "unit": "usd", "label": "WCDA down payment assistance, up to", "source_name": "Wyoming Community Development Authority: Homebuyers", "source_url": "https://www.wyomingcda.com/homebuyers/", "as_of": "2026-10-29", "period": null, "note": "Home$tretch DPA: 0% deferred, due on sale, refinance or 30-year maturity. Amortizing DPA: fixed rate, up to 10-year term. Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "hfa_ftb_years", "region": "WY", "value": "3", "unit": "years", "label": "WCDA First-Time Homebuyer program: no ownership interest in a primary residence in the last", "source_name": "Wyoming Community Development Authority: Homebuyers", "source_url": "https://www.wyomingcda.com/homebuyers/", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "hfa_min_contrib", "region": "WY", "value": "1500", "unit": "usd", "label": "WCDA down payment assistance minimum borrower contribution (may be a gift)", "source_name": "Wyoming Community Development Authority: Homebuyers", "source_url": "https://www.wyomingcda.com/homebuyers/", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "hfa_min_score", "region": "WY", "value": "620", "unit": "score", "label": "WCDA down payment assistance minimum credit score", "source_name": "Wyoming Community Development Authority: Homebuyers", "source_url": "https://www.wyomingcda.com/homebuyers/", "as_of": "2026-10-29", "period": null, "note": "Checked Oct 2026", "updated_at": "2026-10-29 07:53:48" }, { "key": "transfer_tax_rate", "region": "WY", "value": "0", "unit": "pct", "label": "State real estate transfer tax", "source_name": "National Association of Realtors", "source_url": "https://narfocus.com/publication-issue/view/2023-07-05-state-and-local-issues-real-estate-transfer-tax", "as_of": "2023-07-05", "period": null, "note": "No statewide transfer tax", "updated_at": "2026-10-28 21:47:44" } ] }