USA · Live Housing Snapshot · Updated June 11, 2026

U.S. Housing Market
Right Now

Free housing data for all 50 states, 3,000+ counties, and 18,000+ cities. Take-home tax math, wage-stagnation lens, Veteran/VA modeling, deferred-maintenance scorecards — all primary-source cited from Redfin, FRED, Census, FHFA, BLS, HUD, VA, FEMA NRI.

Explore States 7 Preset Reports Listing Analyzer
Market Score
0 /100
Buyer-Friendly-Market
Median Sale Price
$0
▼ 2.1% MoM
30-Yr Mortgage
0.00%
▼ 0.8% w/w
Active Inventory
0
▼ 4.3% MoM
Days on Market
0d
Balanced
Listings Cut
0.0%
Soft
Sources: Redfin · FRED · Census ACS · FHFA · BLS
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Type any address — or paste a Zillow / Redfin / Realtor URL

Get a deferred-maintenance scorecard, era-hazard flags, region-specific risks, PITI estimate, and one-click cross-checks against every major listing site + government parcel records.

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$ Take-Home Map Same $75k everywhere — what each state lets you keep after fed + FICA + state + local. ↘ Wage-Stagnation Lens Median income converted to 1970 CPI dollars + gold-ounce ratio. The honest inflation lens. ★ Veteran / VA Layer Tax-free disability + W-2 equivalent + VA loan + 100% P&T property-tax exemptions. </> Public JSON API No auth. No paywall. Free use with attribution. /api/states/{slug}.json
What this means: Homes are sitting longer on the market, giving buyers more negotiating room. Inventory is elevated, meaning more choices for buyers.

Key Metrics

National snapshot
30-Year Mortgage
6.48%
▼ 0.8% vs prior month
Median Sale Price
$440,411
▼ 2.1% vs prior month
Active Inventory
1,397,071
▼ 4.3% vs prior month
Days on Market
50 days
▲ 19.1% vs prior month
Price Drop Rate
20.0%
▼ 0.4% vs prior month
Sale-to-List Ratio
98.6%
▼ 0.7% vs prior month
Housing Starts
1,465K
▼ 2.8% vs prior month
Unemployment
4.3%
▼ 0.0% vs prior month

Trend compares the most recent monthly data point to the prior month. Source: Redfin, FRED.

Crash-Risk Composite

By state · weighted V/I, YoY, inventory, DOM, permits

A weighted composite of five public, cited inputs: price-to-income overvaluation (30%), YoY price weakness (20%), inventory surplus vs long-run (20%), days-on-market spike (15%), and permits contraction (15%). Higher = greater downside pressure on the leading edge of a correction. Not a forecast — it does not include national macro factors (Fed policy, recession, employment). Reference: IMF Global Housing Watch, FHFA HPI, NAR Realtors Confidence Index, Census BPS, Shiller methodology. Full methodology →

States: Highest Crash Risk

States where the five-factor composite is most elevated. Read alongside the inputs — high V/I + negative YoY + inventory surplus is the textbook setup.

  1. Hawaii 66/100
  2. Montana 66/100
  3. Massachusetts 65/100
  4. Vermont 64/100
  5. Arizona 63/100
  6. Nevada 61/100
  7. Utah 61/100
  8. Oregon 60/100

States: Lowest Crash Risk

States with the most resilient set of fundamentals on this composite. Generally low V/I, positive YoY, balanced inventory.

  1. Iowa 17/100
  2. Illinois 20/100
  3. Kansas 21/100
  4. North Dakota 21/100
  5. West Virginia 22/100
  6. Ohio 23/100
  7. Nebraska 25/100
  8. Indiana 26/100

Bargains vs. Overvalued

By state & county · Value/Income + Value/Rent

Higher Value/Income = more years of household income to buy a typical home. Higher Value/Rent = home price relative to annual rent (rough cap-rate inverse). Markets at 3–4× income and under 15× annual rent are historically affordable. Above 5–6× income or 25× rent, the math breaks. Sample-size guard: counties below $80K median are excluded.

States: Best Value / Income

States where the median home is the smallest multiple of household income — historically the best bargains. Target areas with low ratios for the best deals in 2026.

  1. Iowa 3.5×
  2. Ohio 4.1×
  3. Indiana 4.1×
  4. North Dakota 4.1×
  5. Illinois 4.1×
  6. Oklahoma 4.2×
  7. Michigan 4.2×
  8. Minnesota 4.3×
  9. Nebraska 4.3×
  10. Missouri 4.3×

States: Worst Value / Income (Overvalued)

States where home prices have stretched furthest from local incomes. High ratios usually mean affordability has snapped — incomes failed to keep pace with prices.

  1. California 9.2×
  2. Montana 7.6×
  3. Hawaii 7.5×
  4. New York 7.3×
  5. Washington 6.9×
  6. Massachusetts 6.8×
  7. Idaho 6.7×
  8. Colorado 6.7×
  9. Oregon 6.5×
  10. Nevada 6.4×

States: Best Value / Rent (Smartest Buys)

Median home price ÷ annual rent. The lowest ratios mean rents support the price — investor cap rates work, and owning vs. renting math holds up.

  1. Mississippi 15.7×
  2. Delaware 17.5×
  3. Louisiana 17.8×
  4. Michigan 17.9×
  5. Florida 18.2×
  6. Alaska 18.8×
  7. Hawaii 18.9×
  8. Oklahoma 19.1×
  9. Kentucky 19.5×
  10. Connecticut 19.6×

States: Worst Value / Rent (Overpriced)

Where home prices have stretched furthest from local rents. Above 25× annual rent, prices stop making financial sense for buyers and investors alike.

  1. New York 33.6×
  2. California 31.5×
  3. Washington 31.4×
  4. Utah 28.6×
  5. Idaho 27.1×
  6. Montana 26.7×
  7. Oregon 26.6×
  8. Virginia 26.3×
  9. Kansas 25.6×
  10. Wisconsin 25.2×

Counties: Best Value / Income (Bargains)

Counties where home prices are smallest relative to local household income. The most-overlooked bargain markets for 2026.

  1. Mercer County, Pennsylvania 2.2×
  2. Chemung County, New York 2.3×
  3. Vermilion County, Illinois 2.3×
  4. Cambria County, Pennsylvania 2.4×
  5. Clinton County, Iowa 2.4×
  6. Macon County, Illinois 2.4×
  7. Tazewell County, Illinois 2.4×
  8. Whiteside County, Illinois 2.5×
  9. Des Moines County, Iowa 2.5×
  10. Rock Island County, Illinois 2.5×

Counties: Worst Value / Income (Overvalued)

Counties where prices have stretched furthest from incomes — affordability is broken at the local level. Use the SFR-vs-Condo and DOM signals on the county page to spot which segment is cracking first.

  1. Routt County, Colorado 14.8×
  2. New York County, New York 13.9×
  3. Kings County, New York 13.4×
  4. Monroe County, Florida 12.7×
  5. Bronx County, New York 12.5×
  6. San Francisco County, California 12.5×
  7. Eagle County, Colorado 12.3×
  8. Summit County, Colorado 11.7×
  9. San Mateo County, California 11.5×
  10. Marin County, California 11.2×

Supply Pipeline & Jobs

By state · Census BPS + BLS LAUS via FRED

Permit growth = supply hitting the market in 12–18 months. Permit contraction = builders pulling back, often because they're seeing demand soften. Low unemployment usually supports housing demand; rising unemployment often precedes price softness by 1–2 quarters.

States: Permit Growth (Supply Surge)

Largest YoY increase in new private housing permits. Forward indicator of incoming supply that will pressure prices.

  1. Ohio +79.5%
  2. Kansas +48.7%
  3. Washington +42.8%
  4. Maryland +41.4%
  5. North Carolina +35.9%
  6. Wisconsin +28.4%
  7. Iowa +27.1%
  8. Mississippi +21.8%

States: Permit Contraction (Builders Pulling Back)

Largest YoY drop in permits. Often signals builders see demand softening — historically precedes price weakness by a few quarters.

  1. Nevada -47.0%
  2. Arizona -34.6%
  3. Alaska -33.7%
  4. Oklahoma -32.4%
  5. Vermont -28.3%
  6. Connecticut -26.3%
  7. Texas -25.7%
  8. Kentucky -25.1%

States: Lowest Unemployment

Tight labor markets typically support housing demand and price floors.

  1. South Dakota 2.2%
  2. North Dakota 2.4%
  3. Hawaii 2.5%
  4. Vermont 2.6%
  5. Alabama 2.8%
  6. Nebraska 3.0%
  7. Maine 3.1%
  8. New Hampshire 3.1%

States: Highest Unemployment

Soft labor markets often soften housing demand. Watch for unemployment crossing 5%+ as a signal of broader demand stress.

  1. California 5.3%
  2. Delaware 5.3%
  3. Nevada 5.3%
  4. Oregon 5.2%
  5. Washington 5.2%
  6. Illinois 5.1%
  7. Connecticut 5.0%
  8. Michigan 5.0%

City-Level Pressure

By city · Redfin city TSV, latest month

County and state data smooth out neighborhood-level moves. City-level rankings expose the actual ZIP-code-grade markets where SFR and condo prices are slipping or where inventory has built up. Sample-size guard: cities with fewer than 30 active listings or below $200K median are excluded, and YoY moves are capped at ±25% (anything beyond is sample noise — Redfin's own caveat for low-volume markets).

Cities: Single-Family YoY Decline

Cities where single-family medians are dropping fastest year-over-year. The SFR signal often lags the condo signal — when both are dropping in the same city, the local market is well into correction territory.

  1. Cameron, Missouri -25.0%
  2. Russell, Pennsylvania -25.0%
  3. Fulton, Ohio -25.0%
  4. Rifle, Colorado -24.9%
  5. Dallas, Oregon -24.9%
  6. Westphalia, Maryland -24.8%
  7. Merrimac, Virginia -24.5%
  8. Long Beach, Mississippi -24.3%
  9. Sans Souci, South Carolina -24.2%
  10. Riverside, Illinois -24.2%

Cities: Condo / Co-op YoY Decline

Cities where condo medians are sliding fastest. Often the leading edge of broader market stress — HOA fees, insurance, lending standards hit condo-buyers first.

  1. New Britain, Connecticut -25.0%
  2. Redlands, Colorado -25.0%
  3. St. Simons, Georgia -25.0%
  4. Stonecrest, Georgia -25.0%
  5. Smithfield, Rhode Island -24.9%
  6. Tiki Island, Texas -24.9%
  7. Manteo, North Carolina -24.9%
  8. Miramar, Florida -24.9%
  9. Lockport, Illinois -24.8%
  10. Marysville, Washington -24.7%

Cities: Best Value / Rent

Lowest price-to-annual-rent ratios using the parent state's rent index. Lower numbers mean the rent vs. own math actually pencils out.

  1. Covelo, California 3.9×
  2. Westwood, California 4.1×
  3. Cedar Glen West, New Jersey 4.1×
  4. Ford City, California 4.3×
  5. Charlotte Harbor, Florida 4.3×
  6. Pine Island Center, Florida 4.3×
  7. Jackson Lake, Colorado 4.4×
  8. Reddick, Florida 4.4×
  9. Erving, Massachusetts 4.4×
  10. Tropical Park, Florida 4.6×

Cities: Inventory Surplus

Cities with active inventory furthest above their long-term average. More supply = less competition = more buyer leverage at the city level.

  1. Northborough, Massachusetts +183.4%
  2. Canutillo, Texas +179.3%
  3. Saugus, Massachusetts +173.7%
  4. Lakewood Village, Texas +165.4%
  5. Navassa, North Carolina +165.0%
  6. Snoqualmie, Washington +164.2%
  7. Union Hill-Novelty Hill, Washington +161.0%
  8. Wyoming, Ohio +157.6%
  9. Mill Creek East, Washington +155.4%
  10. Southborough, Massachusetts +153.4%

Generational & Vacancy Signals

By county · Census ACS 5-year

High boomer-owner share = future inventory pipeline as homes transition. High vacancy = either a soft local market or a deferred-maintenance opportunity. Both are early signals that the headline price doesn't capture.

Counties: Highest Boomer Owner Share

Share of homeowner households age 65+. The next decade's inventory transition starts here. Source: Census ACS B25007.

  1. Sumter County, Florida 65.5%
  2. Charlotte County, Florida 48.1%
  3. Citrus County, Florida 46.8%
  4. Highlands County, Florida 44.1%
  5. Indian River County, Florida 42.6%
  6. Sarasota County, Florida 42.4%
  7. Brunswick County, North Carolina 41.9%
  8. Collier County, Florida 41.4%
  9. Georgetown County, South Carolina 41.2%
  10. Martin County, Florida 41.1%

Counties: Highest Vacancy Rate

Share of housing units vacant for any reason — Census ACS B25002 doesn't separate seasonal from market vacancy at this level, so coastal vacation counties (Cape May NJ, Walton FL, Summit CO) dominate. Pair with active inventory + DOM to read market softness. Filter: population ≥ 25,000 and active home-sale market.

  1. Summit County, Colorado 61.2%
  2. Camden County, Missouri 56.9%
  3. Cape May County, New Jersey 55.5%
  4. Dare County, North Carolina 52.7%
  5. Cass County, Minnesota 47.4%
  6. Carroll County, New Hampshire 44.9%
  7. Summit County, Utah 44.8%
  8. Walton County, Florida 44.5%
  9. Door County, Wisconsin 40.1%
  10. Pike County, Pennsylvania 39.9%

County-Level Pressure

By county · Redfin trend, latest month

State averages hide individual ZIPs and counties. These rankings spotlight the counties where SFR or condo values are dropping fastest, where listings are sitting longest, and where inventory surplus is widest. Sample-size guard: counties with fewer than 50 monthly sales are excluded, segment-specific lists also gate on 20+ SFR or condo sales, and YoY moves are capped at ±25% (anything beyond is sample-noise per Redfin's own data caveats).

Counties: Single-Family YoY Decline

Where single-family medians are dropping year-over-year by county. Equity shrinking + refinance tightening creates motivated-seller windows.

  1. Tompkins County, New York -24.3%
  2. Mercer County, Pennsylvania -24.0%
  3. Wood County, Texas -23.3%
  4. Garfield County, Oklahoma -20.9%
  5. Garfield County, Colorado -19.7%
  6. Rockingham County, North Carolina -18.6%
  7. Oswego County, New York -17.6%
  8. Steuben County, Indiana -16.6%
  9. Fayette County, Pennsylvania -16.2%
  10. Butler County, Pennsylvania -15.5%

Counties: Condo / Co-op YoY Decline

Counties where condo medians are dropping fastest. HOA fees, insurance, and tightening lending rules pile pressure on owners — and motivated sellers usually follow.

  1. Brazos County, Texas -23.6%
  2. Glynn County, Georgia -22.8%
  3. Indian River County, Florida -22.7%
  4. Merrimack County, New Hampshire -21.9%
  5. Escambia County, Florida -21.8%
  6. Bexar County, Texas -21.0%
  7. Santa Fe County, New Mexico -20.8%
  8. Maui County, Hawaii -20.1%
  9. Tulsa County, Oklahoma -19.3%
  10. Georgetown County, South Carolina -19.3%

Counties: Inventory Surplus

County-level inventory furthest above its own long-term average — where buyers have more leverage to negotiate price + concessions.

  1. Calaveras County, California +109.9%
  2. Wood County, West Virginia +95.3%
  3. Walla Walla County, Washington +95.2%
  4. Chelan County, Washington +87.5%
  5. Broward County, Florida +81.3%
  6. Routt County, Colorado +80.0%
  7. Navajo County, Arizona +79.8%
  8. Thurston County, Washington +79.1%
  9. Snohomish County, Washington +78.3%
  10. Kittitas County, Washington +75.4%

Counties: Days-on-Market Spike

Counties where DOM is running 60+ days and at least 20% above its trailing 24-month average. Seller distress signal.

  1. Routt County, Colorado +96.4%
  2. Houston County, Alabama +54.8%
  3. Wayne County, North Carolina +54.0%
  4. Nash County, North Carolina +38.3%
  5. Christian County, Kentucky +30.9%
  6. Boyd County, Kentucky +26.3%
  7. Brunswick County, North Carolina +23.7%
  8. Monroe County, Tennessee +23.3%
  9. Floyd County, Georgia +22.9%
  10. Robertson County, Tennessee +22.5%

Where the Pressure Is Right Now

By state · Redfin trend, latest month

National averages hide what is actually happening in specific markets. These rankings surface the states where single-family values, condo values, days-on-market, and inventory are moving outside the long-term norm.

Single-Family YoY Decline

States where SFR median sale price is dropping year-over-year. When values fall, equity shrinks and refinancing tightens — some owners decide to sell before default.

  1. Utah -5.1%
  2. Hawaii -3.2%
  3. Colorado -2.6%
  4. Vermont -2.2%
  5. Washington -0.6%
  6. Idaho -0.1%

Condo / Co-op YoY Decline

States where condo medians are dropping year-over-year. Association fees, insurance costs, and tightening lending rules on condo buildings squeeze owners — and motivated sellers usually follow.

  1. New Mexico -23.9%
  2. West Virginia -13.8%
  3. Iowa -13.4%
  4. Oklahoma -9.2%
  5. Arkansas -8.1%
  6. Mississippi -7.4%
  7. Minnesota -6.4%
  8. New Hampshire -6.2%

Inventory Surplus vs. Long-Term Average

States with the largest active-inventory surplus relative to their own long-term average. More supply = less competition = more buyer leverage.

  1. Washington +55.7%
  2. North Carolina +45.3%
  3. Massachusetts +41.1%
  4. Tennessee +40.5%
  5. Utah +40.2%
  6. Vermont +38.7%
  7. Colorado +38.6%
  8. New Hampshire +37.0%

Days-on-Market Spike

States where DOM is running furthest above its trailing 24-month average. When DOM crosses 60–120 days, sellers get realistic — flexibility on price and concessions opens up.

  1. New York +3.5%
  2. Vermont -1.4%
  3. Arizona -3.1%
  4. Kentucky -6.6%
  5. Hawaii -7.0%
  6. Arkansas -7.2%
  7. Delaware -7.6%
  8. North Carolina -7.7%

Where Condos Are Dropping Faster Than Houses

States with the widest YoY gap between single-family and condo performance — SFR is holding up while condos slide. The gap is the early-warning signal for condo-specific stress (HOA, insurance, lending).

  1. New Mexico +33.5% gap
  2. West Virginia +19.7% gap
  3. Iowa +16.5% gap
  4. Mississippi +13.3% gap
  5. New Hampshire +12.4% gap
  6. Oklahoma +12.3% gap
  7. Columbia +11.6% gap
  8. Arkansas +11.1% gap

States Where Buying Is Cheaper Than Renting

Mortgage PITI on a median home divided by Zillow ZORI median rent. Below 1.0× = buying is cheaper monthly. Sorted from cheapest-to-buy to most expensive.

  1. Mississippi 1.22×
  2. Delaware 1.36×
  3. Louisiana 1.39×
  4. Michigan 1.39×
  5. Florida 1.42×
  6. Alaska 1.46×
  7. Hawaii 1.47×
  8. Oklahoma 1.48×
  9. Kentucky 1.51×
  10. Connecticut 1.52×

Counties: Highest Inbound Migration

Counties with the largest share of population that moved in from outside the county in the past year. Census ACS B07001 (5-year). High inbound rate often precedes price acceleration.

  1. Pulaski County, Missouri 25.3%
  2. Tompkins County, New York 18.4%
  3. Coryell County, Texas 17.6%
  4. Watauga County, North Carolina 16.4%
  5. Story County, Iowa 15.6%
  6. Benton County, Oregon 15.2%
  7. Walker County, Texas 15.1%
  8. Liberty County, Georgia 15.1%
  9. Brazos County, Texas 14.2%
  10. Centre County, Pennsylvania 14.1%

Trends

Up to 5 years of data

Median Sale Price

Trailing 12 months

Active Inventory

Trailing 12 months

30-Year Mortgage Rate

Trailing 12 months

Days on Market

Trailing 12 months

Price Drop Rate

Trailing 12 months

Sale-to-List Ratio

Trailing 12 months

Mortgage Delinquency Rate

Trailing 12 months

CPI (Inflation Index)

Trailing 12 months

HomeStats Market Score

Composite health index
60
Buyer-Friendly
0 50 100

How We Calculate This

We blend five public housing indicators into one 0-100 score. Every input comes from Redfin MLS data or federal datasets, so you can verify it yourself. Higher scores favor buyers. Lower scores favor sellers.

  • Days on Market trend — longer = more buyer-friendly
  • Price cuts percentage — more cuts = sellers adjusting down
  • Sale-to-list ratio — below 1.0 = buyers have leverage
  • Inventory trend — rising = more choices for buyers
  • Year-over-year price change — slowing appreciation = cooling market

0-39 = Seller-Friendly | 40-59 = Neutral | 60-100 = Buyer-Friendly

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Recommended Reading

Data Sources & Where Else to Look

Public, free, and verifiable

Every metric on homestats.app comes from a public dataset you can verify yourself. We're listing them all here, plus other reputable sites worth cross-referencing — different methodologies often catch different signals, so the more sources you triangulate, the better your read.

Our Data Sources (all free / public domain)

Other Sites Worth Cross-Referencing

Different cuts of the same underlying public data — useful when you want a second opinion on a specific market, a different visualization, or proprietary scoring (some are subscription-based).

  • Reventure App — Nick Gerli's housing dashboard with proprietary Crash Risk Score, Buyer Demand Score, ZIP-level forecasts. Subscription. Different methodology than ours.
  • NeighborhoodScout — Neighborhood-level appreciation history, school + crime detail, demographic profiles. Subscription.
  • Zillow Research — ZHVI, ZORI, market reports, methodology PDFs. Free.
  • Realtor.com Economic Research — Active inventory, listing trends, hottest markets. Free.
  • ATTOM Data — Foreclosure, investor activity, cash sales (paid; cited by reporters).
  • CoreLogic Intelligence — HPI, delinquency, fraud risk (paid).
  • ICE / Black Knight Mortgage Monitor — Monthly mortgage performance + servicing data.
  • Harvard JCHS — State of the Nation's Housing annual report.
  • NAHB Economics — Builder sentiment, cost surveys, regional data.
  • NAHB Eye on Housing — NAHB's economist blog with permits, starts, builder confidence.
  • Calculated Risk — Bill McBride's housing-data commentary, weekly inventory updates.
  • Altos Research — Weekly active-market data, listing-side metrics.
  • Parcl Labs — Daily price indices and inventory by market.

We have no relationship with any of the above. Linking is for research transparency only.

All source data on homestats.app is public domain or used with required attribution. Our derivations (SFR-vs-Condo gap, DOM spike, inventory surplus, Value/Income, Value/Rent, Buy-vs-Rent, market score) are original work — formulas are described on each section so you can reproduce them.