HomeStats Analytics

Reventure App charges $19–49/mo. AirDNA charges $40–200/mo. PropertyRadar charges $99–299/mo. First Street's Risk Factor is enterprise-priced. The directional question each of those tools answers — buyer leverage, STR viability, distress pressure, climate-adjusted insurance — is mostly answerable from public data. Below are 30 composite analytics pages we built on the BLS / Census / FEMA / FRED / NAIC / EPA / NOAA / Redfin pipeline, all free.

Buyer-leverage signals

Where sellers are weakening before headline prices catch up — early warnings for buyers shopping in 2026.

Listing Velocity Decay 4,300+ city composite of seller weakness — price drops, DOM spike, inventory surplus, sale-to-list gap. County Distress Pressure Forced-sale pipeline pressure — HPI drawdown × delinquency × boomer concentration × inventory surplus. Vacancy Absorption Months or years to clear vacant stock at current sales velocity. Distinguishes vacation vacancy from oversupply. Permit Pipeline 12-month vs preceding 12-month state permits. Forward-looking inventory pressure 12-18 months out.

Climate & insurance

The bills, exclusions, and coverage gaps the carriers price into 2026 homeownership.

10-Year Insurance Projection Climate-adjusted 5 / 10-year homeowners premium per state. NAIC × FEMA NRI compounded. Insurance Availability Stress Where carriers are paused / restricted. Curated CA / FL / LA / coastal flag list. Auto + Home Combo Burden NAIC auto + home premiums summed; combined as share of median household income. Flood Coverage Gap NFIP policy density vs flood hazard rating. Underinsured high-hazard pockets. Hazard Peril Breakdown FEMA NRI 18-peril decomposition. Top 3 high-severity perils per state. Disaster Declaration Frequency FEMA recent vs total declarations. Per-capita normalized + climate-acceleration gap. NOAA Storm Frequency Per-state aggregate of NOAA Storm Events Database (tornado, hail, wind, flood, winter, heat). Heat-Stress Days Estimated days above 90°F per state from NOAA climate normals + humidity.

Cost of living + carry

What the bills actually run when the mortgage is just one of seven line items.

True Annual Carrying Cost Property tax + insurance + utilities + electricity + healthcare + auto + groceries + childcare summed. Property Tax Burden Tax Foundation rate × Redfin median = annual tax dollars + share of income. Annual Energy Cost Typical-home kWh × EIA per-kWh price × 12 with NOAA climate context. Internet + Phone Cost BroadbandNow + BLS CPI telephone services per state. Healthcare Premium KFF employer single + family premium contribution + share of income. Childcare Burden Child Care Aware infant + preschool annual cost + share of state median income. Renovation Labor Cost BLS OES trade hourly × NAHB project hours + BEA-RPP-adjusted materials. Five projects.

Investor + market structure

Buy-and-hold, STR, AVM, investor-share. The structural picture every paid investor tool charges for.

Investor Activity Pressure County-level structural proxy for investor / non-owner-occupied housing pressure. STR-vs-LTR Viability 4,300+ city composite blending leisure-employment share, price premium, and rent yield. AVM-Lite (Address Estimator) County PPSF × bed/bath/sqft hedonic adjustments → estimated value with confidence band. Occupation Affordability BLS OES wages tested against 28% DTI × Goldman/OpenAI AI exposure tier. Renter Cost Burden ZORI rent vs ACS median income. Where renting exceeds HUD's 30% threshold.

Demographic + community context

Migration, generations, crime, water, wellness. Geography signals you can't price but should know.

State Migration Leaderboard IRS SOI net flow per state with per-capita normalization + top inbound/outbound names. Generation Pulse Millennial-vs-boomer owner concentration per county. Age-cohort migration when ACS B07001 syncs. Pre-1940 Housing Stock Counties by ACS B25034 pre-1940 share. Knob-and-tube / lead / asbestos territory. Crime-Adjusted Price FBI UCR violent + property composite weighted 4:1 → crime discount/premium per state. Drinking Water Safety EPA SDWIS violation counts per state with health-based subset and per-capita rate. Community Wellness Context CDC WISQARS suicide rate with crime + healthcare + age context. Sober public-health framing.