{
  "api": "homestats.app/api/states",
  "version": "1",
  "state": "indiana",
  "canonical": "https://homestats.app/states/indiana/",
  "license": "Public data; transformations and analysis © HomeStats. Free use with attribution: link to canonical.",
  "sources": [
    "Redfin Data Center",
    "FRED",
    "U.S. Census Bureau ACS",
    "FHFA HPI",
    "HUD FMR",
    "BLS OEWS",
    "BEA RPP",
    "EPA SDWIS",
    "FEMA NRI",
    "FBI UCR"
  ],
  "generatedAt": "2026-07-30T07:14:09.747Z",
  "data": {
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    "slug": "indiana",
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      "state": "Indiana",
      "stateCode": "IN",
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    "census": {
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      "medianHouseholdIncome": 70051,
      "population": 6811752,
      "totalHousingUnits": 2953344,
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      "ownershipRate": 0.7035,
      "rentBurdenPct": 28.9,
      "medianAge": 38,
      "malePop": 3377011,
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      "maleToFemaleRatio": 0.983,
      "marriedPct": 61,
      "singlePct": 39
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          "daysOnMarket": 20,
          "inventory": 13561
        },
        {
          "date": "2024-07-31",
          "medianSalePrice": 269400,
          "daysOnMarket": 20,
          "inventory": 14464
        },
        {
          "date": "2024-08-31",
          "medianSalePrice": 271400,
          "daysOnMarket": 23,
          "inventory": 15201
        },
        {
          "date": "2024-09-30",
          "medianSalePrice": 267900,
          "daysOnMarket": 25,
          "inventory": 15760
        },
        {
          "date": "2024-10-31",
          "medianSalePrice": 261000,
          "daysOnMarket": 28,
          "inventory": 16308
        },
        {
          "date": "2024-11-30",
          "medianSalePrice": 266000,
          "daysOnMarket": 32,
          "inventory": 15715
        },
        {
          "date": "2024-12-31",
          "medianSalePrice": 262500,
          "daysOnMarket": 35,
          "inventory": 14036
        },
        {
          "date": "2025-01-31",
          "medianSalePrice": 256800,
          "daysOnMarket": 45,
          "inventory": 13257
        },
        {
          "date": "2025-02-28",
          "medianSalePrice": 258500,
          "daysOnMarket": 51,
          "inventory": 13023
        },
        {
          "date": "2025-03-31",
          "medianSalePrice": 265800,
          "daysOnMarket": 39,
          "inventory": 13581
        },
        {
          "date": "2025-04-30",
          "medianSalePrice": 270500,
          "daysOnMarket": 29,
          "inventory": 14565
        },
        {
          "date": "2025-05-31",
          "medianSalePrice": 279600,
          "daysOnMarket": 24,
          "inventory": 16082
        },
        {
          "date": "2025-06-30",
          "medianSalePrice": 287100,
          "daysOnMarket": 24,
          "inventory": 16810
        },
        {
          "date": "2025-07-31",
          "medianSalePrice": 285500,
          "daysOnMarket": 25,
          "inventory": 17759
        },
        {
          "date": "2025-08-31",
          "medianSalePrice": 281900,
          "daysOnMarket": 29,
          "inventory": 18153
        },
        {
          "date": "2025-09-30",
          "medianSalePrice": 281200,
          "daysOnMarket": 33,
          "inventory": 18857
        },
        {
          "date": "2025-10-31",
          "medianSalePrice": 276900,
          "daysOnMarket": 33,
          "inventory": 19195
        },
        {
          "date": "2025-11-30",
          "medianSalePrice": 274800,
          "daysOnMarket": 36,
          "inventory": 17961
        },
        {
          "date": "2025-12-31",
          "medianSalePrice": 270000,
          "daysOnMarket": 42,
          "inventory": 15758
        },
        {
          "date": "2026-01-31",
          "medianSalePrice": 258300,
          "daysOnMarket": 53,
          "inventory": 14769
        },
        {
          "date": "2026-02-28",
          "medianSalePrice": 265000,
          "daysOnMarket": 57,
          "inventory": 14380
        },
        {
          "date": "2026-03-31",
          "medianSalePrice": 276500,
          "daysOnMarket": 49,
          "inventory": 14823
        },
        {
          "date": "2026-04-30",
          "medianSalePrice": 279100,
          "daysOnMarket": 30,
          "inventory": 15471
        },
        {
          "date": "2026-05-31",
          "medianSalePrice": 291100,
          "daysOnMarket": 26,
          "inventory": 14889
        }
      ],
      "condoTrend": [
        {
          "date": "2021-06-30",
          "medianSalePrice": 194100,
          "daysOnMarket": 45,
          "inventory": 529
        },
        {
          "date": "2021-07-31",
          "medianSalePrice": 194100,
          "daysOnMarket": 39,
          "inventory": 514
        },
        {
          "date": "2021-08-31",
          "medianSalePrice": 190200,
          "daysOnMarket": 30,
          "inventory": 462
        },
        {
          "date": "2021-09-30",
          "medianSalePrice": 194800,
          "daysOnMarket": 31,
          "inventory": 474
        },
        {
          "date": "2021-10-31",
          "medianSalePrice": 194500,
          "daysOnMarket": 46,
          "inventory": 489
        },
        {
          "date": "2021-11-30",
          "medianSalePrice": 197300,
          "daysOnMarket": 26,
          "inventory": 439
        },
        {
          "date": "2021-12-31",
          "medianSalePrice": 197900,
          "daysOnMarket": 45,
          "inventory": 356
        },
        {
          "date": "2022-01-31",
          "medianSalePrice": 193100,
          "daysOnMarket": 38,
          "inventory": 375
        },
        {
          "date": "2022-02-28",
          "medianSalePrice": 203400,
          "daysOnMarket": 31,
          "inventory": 340
        },
        {
          "date": "2022-03-31",
          "medianSalePrice": 208100,
          "daysOnMarket": 28,
          "inventory": 394
        },
        {
          "date": "2022-04-30",
          "medianSalePrice": 209200,
          "daysOnMarket": 24,
          "inventory": 383
        },
        {
          "date": "2022-05-31",
          "medianSalePrice": 213800,
          "daysOnMarket": 24,
          "inventory": 393
        },
        {
          "date": "2022-06-30",
          "medianSalePrice": 221500,
          "daysOnMarket": 26,
          "inventory": 407
        },
        {
          "date": "2022-07-31",
          "medianSalePrice": 220200,
          "daysOnMarket": 22,
          "inventory": 393
        },
        {
          "date": "2022-08-31",
          "medianSalePrice": 222500,
          "daysOnMarket": 17,
          "inventory": 413
        },
        {
          "date": "2022-09-30",
          "medianSalePrice": 235100,
          "daysOnMarket": 25,
          "inventory": 424
        },
        {
          "date": "2022-10-31",
          "medianSalePrice": 222200,
          "daysOnMarket": 20,
          "inventory": 450
        },
        {
          "date": "2022-11-30",
          "medianSalePrice": 227600,
          "daysOnMarket": 21,
          "inventory": 415
        },
        {
          "date": "2022-12-31",
          "medianSalePrice": 206700,
          "daysOnMarket": 33,
          "inventory": 404
        },
        {
          "date": "2023-01-31",
          "medianSalePrice": 201900,
          "daysOnMarket": 33,
          "inventory": 401
        },
        {
          "date": "2023-02-28",
          "medianSalePrice": 223000,
          "daysOnMarket": 33,
          "inventory": 379
        },
        {
          "date": "2023-03-31",
          "medianSalePrice": 220700,
          "daysOnMarket": 37,
          "inventory": 401
        },
        {
          "date": "2023-04-30",
          "medianSalePrice": 228800,
          "daysOnMarket": 23,
          "inventory": 450
        },
        {
          "date": "2023-05-31",
          "medianSalePrice": 249100,
          "daysOnMarket": 18,
          "inventory": 462
        },
        {
          "date": "2023-06-30",
          "medianSalePrice": 237200,
          "daysOnMarket": 15,
          "inventory": 513
        },
        {
          "date": "2023-07-31",
          "medianSalePrice": 243700,
          "daysOnMarket": 28,
          "inventory": 523
        },
        {
          "date": "2023-08-31",
          "medianSalePrice": 227800,
          "daysOnMarket": 20,
          "inventory": 547
        },
        {
          "date": "2023-09-30",
          "medianSalePrice": 238100,
          "daysOnMarket": 32,
          "inventory": 529
        },
        {
          "date": "2023-10-31",
          "medianSalePrice": 228300,
          "daysOnMarket": 27,
          "inventory": 588
        },
        {
          "date": "2023-11-30",
          "medianSalePrice": 233400,
          "daysOnMarket": 28,
          "inventory": 600
        },
        {
          "date": "2023-12-31",
          "medianSalePrice": 234900,
          "daysOnMarket": 31,
          "inventory": 549
        },
        {
          "date": "2024-01-31",
          "medianSalePrice": 213700,
          "daysOnMarket": 47,
          "inventory": 521
        },
        {
          "date": "2024-02-29",
          "medianSalePrice": 213800,
          "daysOnMarket": 47,
          "inventory": 518
        },
        {
          "date": "2024-03-31",
          "medianSalePrice": 238600,
          "daysOnMarket": 34,
          "inventory": 616
        },
        {
          "date": "2024-04-30",
          "medianSalePrice": 226100,
          "daysOnMarket": 28,
          "inventory": 622
        },
        {
          "date": "2024-05-31",
          "medianSalePrice": 233300,
          "daysOnMarket": 26,
          "inventory": 693
        },
        {
          "date": "2024-06-30",
          "medianSalePrice": 247700,
          "daysOnMarket": 35,
          "inventory": 725
        },
        {
          "date": "2024-07-31",
          "medianSalePrice": 236000,
          "daysOnMarket": 30,
          "inventory": 754
        },
        {
          "date": "2024-08-31",
          "medianSalePrice": 241000,
          "daysOnMarket": 29,
          "inventory": 799
        },
        {
          "date": "2024-09-30",
          "medianSalePrice": 244200,
          "daysOnMarket": 30,
          "inventory": 801
        },
        {
          "date": "2024-10-31",
          "medianSalePrice": 237600,
          "daysOnMarket": 31,
          "inventory": 867
        },
        {
          "date": "2024-11-30",
          "medianSalePrice": 237100,
          "daysOnMarket": 29,
          "inventory": 832
        },
        {
          "date": "2024-12-31",
          "medianSalePrice": 237700,
          "daysOnMarket": 37,
          "inventory": 747
        },
        {
          "date": "2025-01-31",
          "medianSalePrice": 229400,
          "daysOnMarket": 43,
          "inventory": 684
        },
        {
          "date": "2025-02-28",
          "medianSalePrice": 220400,
          "daysOnMarket": 62,
          "inventory": 725
        },
        {
          "date": "2025-03-31",
          "medianSalePrice": 232100,
          "daysOnMarket": 60,
          "inventory": 780
        },
        {
          "date": "2025-04-30",
          "medianSalePrice": 240100,
          "daysOnMarket": 39,
          "inventory": 843
        },
        {
          "date": "2025-05-31",
          "medianSalePrice": 234600,
          "daysOnMarket": 29,
          "inventory": 964
        },
        {
          "date": "2025-06-30",
          "medianSalePrice": 241100,
          "daysOnMarket": 29,
          "inventory": 969
        },
        {
          "date": "2025-07-31",
          "medianSalePrice": 249400,
          "daysOnMarket": 31,
          "inventory": 1005
        },
        {
          "date": "2025-08-31",
          "medianSalePrice": 240100,
          "daysOnMarket": 38,
          "inventory": 1012
        },
        {
          "date": "2025-09-30",
          "medianSalePrice": 236300,
          "daysOnMarket": 39,
          "inventory": 1075
        },
        {
          "date": "2025-10-31",
          "medianSalePrice": 246400,
          "daysOnMarket": 34,
          "inventory": 1110
        },
        {
          "date": "2025-11-30",
          "medianSalePrice": 238700,
          "daysOnMarket": 55,
          "inventory": 1048
        },
        {
          "date": "2025-12-31",
          "medianSalePrice": 230800,
          "daysOnMarket": 47,
          "inventory": 873
        },
        {
          "date": "2026-01-31",
          "medianSalePrice": 233300,
          "daysOnMarket": 59,
          "inventory": 880
        },
        {
          "date": "2026-02-28",
          "medianSalePrice": 233700,
          "daysOnMarket": 83,
          "inventory": 901
        },
        {
          "date": "2026-03-31",
          "medianSalePrice": 244100,
          "daysOnMarket": 77,
          "inventory": 963
        },
        {
          "date": "2026-04-30",
          "medianSalePrice": 239300,
          "daysOnMarket": 43,
          "inventory": 1035
        },
        {
          "date": "2026-05-31",
          "medianSalePrice": 246900,
          "daysOnMarket": 38,
          "inventory": 1000
        }
      ]
    },
    "marketSignals": {
      "inventoryLongTermAvg": 14914,
      "inventorySurplusPct": 0.1277,
      "domLongTermAvg": 34,
      "domSpikePct": -0.2362,
      "domSpikeBucket": "under 60 days"
    },
    "rent": {
      "monthlyRent": 1111,
      "date": "2026-06-30",
      "yoy": 0.0109,
      "metroCount": 24,
      "series": [
        {
          "date": "2024-07-31",
          "value": 1092
        },
        {
          "date": "2024-08-31",
          "value": 1098
        },
        {
          "date": "2024-09-30",
          "value": 1102
        },
        {
          "date": "2024-10-31",
          "value": 1101
        },
        {
          "date": "2024-11-30",
          "value": 1105
        },
        {
          "date": "2024-12-31",
          "value": 1104
        },
        {
          "date": "2025-01-31",
          "value": 1092
        },
        {
          "date": "2025-02-28",
          "value": 1096
        },
        {
          "date": "2025-03-31",
          "value": 1099
        },
        {
          "date": "2025-04-30",
          "value": 1102
        },
        {
          "date": "2025-05-31",
          "value": 1092
        },
        {
          "date": "2025-06-30",
          "value": 1099
        },
        {
          "date": "2025-07-31",
          "value": 1103
        },
        {
          "date": "2025-08-31",
          "value": 1110
        },
        {
          "date": "2025-09-30",
          "value": 1117
        },
        {
          "date": "2025-10-31",
          "value": 1123
        },
        {
          "date": "2025-11-30",
          "value": 1140
        },
        {
          "date": "2025-12-31",
          "value": 1124
        },
        {
          "date": "2026-01-31",
          "value": 1116
        },
        {
          "date": "2026-02-28",
          "value": 1112
        },
        {
          "date": "2026-03-31",
          "value": 1123
        },
        {
          "date": "2026-04-30",
          "value": 1114
        },
        {
          "date": "2026-05-31",
          "value": 1140
        },
        {
          "date": "2026-06-30",
          "value": 1111
        }
      ],
      "source": "Zillow Observed Rent Index (ZORI) metro CSV — mean of metros per state"
    },
    "buyVsRent": 1.674,
    "valueToIncome": 4.1,
    "valueToRent": 21.55,
    "zhvi": {
      "zhvi": 233139,
      "date": "2026-06-30",
      "yoy": 0.0464,
      "metroCount": 36,
      "series": [
        {
          "date": "2024-07-31",
          "value": 214622
        },
        {
          "date": "2024-08-31",
          "value": 215125
        },
        {
          "date": "2024-09-30",
          "value": 215765
        },
        {
          "date": "2024-10-31",
          "value": 216620
        },
        {
          "date": "2024-11-30",
          "value": 217547
        },
        {
          "date": "2024-12-31",
          "value": 218883
        },
        {
          "date": "2025-01-31",
          "value": 220305
        },
        {
          "date": "2025-02-28",
          "value": 221603
        },
        {
          "date": "2025-03-31",
          "value": 222205
        },
        {
          "date": "2025-04-30",
          "value": 222347
        },
        {
          "date": "2025-05-31",
          "value": 222497
        },
        {
          "date": "2025-06-30",
          "value": 222810
        },
        {
          "date": "2025-07-31",
          "value": 223585
        },
        {
          "date": "2025-08-31",
          "value": 224214
        },
        {
          "date": "2025-09-30",
          "value": 224979
        },
        {
          "date": "2025-10-31",
          "value": 225615
        },
        {
          "date": "2025-11-30",
          "value": 226543
        },
        {
          "date": "2025-12-31",
          "value": 227732
        },
        {
          "date": "2026-01-31",
          "value": 229082
        },
        {
          "date": "2026-02-28",
          "value": 230412
        },
        {
          "date": "2026-03-31",
          "value": 231531
        },
        {
          "date": "2026-04-30",
          "value": 232242
        },
        {
          "date": "2026-05-31",
          "value": 232653
        },
        {
          "date": "2026-06-30",
          "value": 233139
        }
      ],
      "source": "Zillow ZHVI metro CSV — mean of metros per state"
    },
    "rdcInventory": {
      "activeListings": 16487,
      "activeListingsYoY": 0.1255,
      "daysOnMarket": 45,
      "daysOnMarketYoY": 0.0349,
      "newListings": 9860,
      "newListingsYoY": 0.0559,
      "priceReducedShare": 0.2257,
      "priceReducedShareYoY": -0.0063,
      "medianListingPrice": 305000,
      "medianListingPriceYoY": -0.0161,
      "medianListingPpsf": 165,
      "date": "2026-06",
      "source": "Realtor.com Core Inventory Metrics (State)"
    },
    "score": 41,
    "fmr": {
      "studio": 816,
      "oneBed": 882,
      "twoBed": 1096,
      "threeBed": 1391,
      "fourBed": 1590
    },
    "rpp": {
      "value": 93.329,
      "year": "2024"
    },
    "hazardRisk": {
      "riskScore": 60.71428571428571,
      "riskRating": "Relatively Moderate",
      "expectedAnnualLoss": 2372659440.081493,
      "hazards": {
        "earthquake": "Relatively Low",
        "hurricane": "Very Low",
        "tornado": "Relatively High",
        "flooding": "Relatively Moderate",
        "coastalFlooding": "Very Low",
        "wildfire": "Very Low",
        "heatWave": "Relatively Moderate",
        "coldWave": "Relatively High",
        "drought": "Relatively Moderate",
        "hail": "Relatively Moderate",
        "winterWeather": "Relatively High",
        "strongWind": "Relatively High",
        "lightning": "Relatively Moderate"
      },
      "source": "FEMA NRI"
    },
    "waterQuality": {
      "totalViolations": 501,
      "healthBasedViolations": 0,
      "source": "EPA SDWIS"
    },
    "floodInsurance": {
      "totalPolicies": 421284,
      "totalClaims": 19283,
      "source": "FEMA NFIP"
    },
    "disasterHistory": {
      "totalDeclarations": 1581,
      "recentDeclarations": 315,
      "source": "FEMA"
    },
    "typicalHome": {
      "avgSqft": 1800,
      "bedBath": "3bd/2ba",
      "avgMonthlyKwh": 928,
      "source": "Census ACS / EIA 2023 / NAHB"
    },
    "insurance": {
      "avgAnnualPremium": 1648,
      "source": "NAIC 2023"
    },
    "propertyTax": {
      "effectiveRate": 0.83,
      "source": "Tax Foundation 2023"
    },
    "tradeCosts": {
      "plumber": 27.6,
      "electrician": 28.4,
      "hvac": 26.1,
      "roofer": 20.8,
      "carpenter": 23.4,
      "painter": 19.6,
      "source": "BLS OES 2023"
    },
    "utilities": {
      "waterSewerTrash": 121,
      "annual": 1456,
      "source": "National avg adjusted by BEA RPP"
    },
    "healthcareCosts": {
      "singlePremium": 1680,
      "familyPremium": 5640,
      "source": "KFF Employer Health Benefits Survey 2024"
    },
    "autoInsurance": {
      "avgAnnualPremium": 1680,
      "avgRegistrationFee": 22,
      "source": "NAIC / Quadrant Information Services 2024"
    },
    "groceries": {
      "annualCost": 6828,
      "monthlyCost": 569,
      "source": "BLS CPI food-at-home 2024, adjusted by BEA RPP"
    },
    "naturalGas": {
      "monthlyCost": 93,
      "annualCost": 1116,
      "source": "EIA residential natural gas 2024, adjusted by BEA RPP"
    },
    "internet": {
      "monthlyCost": 50,
      "annualCost": 600,
      "source": "BroadbandNow 2024"
    },
    "phone": {
      "monthlyCost": 51,
      "annualCost": 616,
      "source": "BLS CPI telephone services 2024, adjusted by BEA RPP"
    },
    "suicideRate": {
      "rate": 16.2,
      "source": "CDC WISQARS 2022"
    },
    "stateIncomeTax": {
      "topRate": 3.05,
      "noIncomeTax": false,
      "source": "Tax Foundation 2024"
    },
    "childcare": {
      "infantAnnual": 11136,
      "preschoolAnnual": 8568,
      "infantMonthly": 928,
      "preschoolMonthly": 714,
      "source": "Child Care Aware of America 2024"
    },
    "humidity": {
      "avgAnnualPct": 72,
      "source": "NOAA Climate Normals"
    },
    "occupations": {
      "groups": [
        {
          "name": "Management",
          "medianSalary": 105000,
          "canAfford": true,
          "aiExposurePct": 28
        },
        {
          "name": "Computer/Math",
          "medianSalary": 80000,
          "canAfford": true,
          "aiExposurePct": 32
        },
        {
          "name": "Healthcare Practitioners",
          "medianSalary": 68000,
          "canAfford": false,
          "aiExposurePct": 15
        },
        {
          "name": "Architecture/Engineering",
          "medianSalary": 75000,
          "canAfford": false,
          "aiExposurePct": 24
        },
        {
          "name": "Business/Financial",
          "medianSalary": 62000,
          "canAfford": false,
          "aiExposurePct": 35
        },
        {
          "name": "Legal",
          "medianSalary": 70000,
          "canAfford": false,
          "aiExposurePct": 44
        },
        {
          "name": "Education/Training",
          "medianSalary": 48000,
          "canAfford": false,
          "aiExposurePct": 27
        },
        {
          "name": "Construction/Extraction",
          "medianSalary": 42000,
          "canAfford": false,
          "aiExposurePct": 6
        },
        {
          "name": "Production",
          "medianSalary": 38000,
          "canAfford": false,
          "aiExposurePct": 12
        },
        {
          "name": "Food Prep/Serving",
          "medianSalary": 25000,
          "canAfford": false,
          "aiExposurePct": 5
        }
      ],
      "affordableJobsPct": 20,
      "affordThreshold": 80000,
      "source": "BLS OES 2023, Goldman Sachs/OpenAI AI exposure estimates"
    },
    "valuation": {
      "status": "stretched",
      "label": "Stretched",
      "color": "#fbbf24",
      "priceToIncome": 4.1,
      "source": "Census ACS median income vs Redfin median price"
    },
    "electricity": {
      "pricePerKwh": 16.23,
      "year": "2025",
      "source": "EIA"
    },
    "electricityHistory": {
      "trend": [
        {
          "year": "2019",
          "pricePerKwh": 11.85
        },
        {
          "year": "2020",
          "pricePerKwh": 12
        },
        {
          "year": "2021",
          "pricePerKwh": 12.47
        },
        {
          "year": "2022",
          "pricePerKwh": 13.75
        },
        {
          "year": "2023",
          "pricePerKwh": 14.5
        },
        {
          "year": "2024",
          "pricePerKwh": 14.92
        },
        {
          "year": "2025",
          "pricePerKwh": 15.32
        }
      ],
      "latestYear": "2025",
      "latestPrice": 15.32,
      "oldestYear": "2019",
      "totalChangePct": 0.2928,
      "yoyChangePct": 0.0268,
      "source": "EIA Table 5.6.A residential, state-anchored to national pattern"
    },
    "naturalGasHistory": {
      "label": "Residential natural gas (monthly)",
      "trend": [
        {
          "year": "2019",
          "value": 70.86
        },
        {
          "year": "2020",
          "value": 69.09
        },
        {
          "year": "2021",
          "value": 84.14
        },
        {
          "year": "2022",
          "value": 115.14
        },
        {
          "year": "2023",
          "value": 97.43
        },
        {
          "year": "2024",
          "value": 93
        },
        {
          "year": "2025",
          "value": 95.66
        }
      ],
      "latestYear": "2025",
      "latestValue": 95.66,
      "oldestYear": "2019",
      "oldestValue": 70.86,
      "totalChangePct": 0.35,
      "yoyChangePct": 0.0286,
      "source": "Residential natural gas (monthly) — national YoY pattern, state-anchored to 2024"
    },
    "groceriesHistory": {
      "label": "Groceries (food at home, monthly)",
      "trend": [
        {
          "year": "2019",
          "value": 436.86
        },
        {
          "year": "2020",
          "value": 460.69
        },
        {
          "year": "2021",
          "value": 481.63
        },
        {
          "year": "2022",
          "value": 537.95
        },
        {
          "year": "2023",
          "value": 555.28
        },
        {
          "year": "2024",
          "value": 569
        },
        {
          "year": "2025",
          "value": 583.44
        }
      ],
      "latestYear": "2025",
      "latestValue": 583.44,
      "oldestYear": "2019",
      "oldestValue": 436.86,
      "totalChangePct": 0.3355,
      "yoyChangePct": 0.0254,
      "source": "Groceries (food at home, monthly) — national YoY pattern, state-anchored to 2024"
    },
    "insuranceHistory": {
      "label": "Homeowners insurance (annual)",
      "trend": [
        {
          "year": "2019",
          "value": 1029.18
        },
        {
          "year": "2020",
          "value": 1080.26
        },
        {
          "year": "2021",
          "value": 1147.83
        },
        {
          "year": "2022",
          "value": 1304.39
        },
        {
          "year": "2023",
          "value": 1473.31
        },
        {
          "year": "2024",
          "value": 1648
        },
        {
          "year": "2025",
          "value": 1771.6
        }
      ],
      "latestYear": "2025",
      "latestValue": 1771.6,
      "oldestYear": "2019",
      "oldestValue": 1029.18,
      "totalChangePct": 0.7214,
      "yoyChangePct": 0.075,
      "source": "Homeowners insurance (annual) — national YoY pattern, state-anchored to 2024"
    },
    "healthcareHistory": {
      "label": "Health insurance (family contribution)",
      "trend": [
        {
          "year": "2019",
          "value": 4538.11
        },
        {
          "year": "2020",
          "value": 4707.06
        },
        {
          "year": "2021",
          "value": 4900.92
        },
        {
          "year": "2022",
          "value": 4954.3
        },
        {
          "year": "2023",
          "value": 5286.23
        },
        {
          "year": "2024",
          "value": 5640
        },
        {
          "year": "2025",
          "value": 5932.9
        }
      ],
      "latestYear": "2025",
      "latestValue": 5932.9,
      "oldestYear": "2019",
      "oldestValue": 4538.11,
      "totalChangePct": 0.3074,
      "yoyChangePct": 0.0519,
      "source": "Health insurance (family contribution) — national YoY pattern, state-anchored to 2024"
    },
    "autoInsuranceHistory": {
      "label": "Auto insurance (annual)",
      "trend": [
        {
          "year": "2019",
          "value": 1092.38
        },
        {
          "year": "2020",
          "value": 1062.24
        },
        {
          "year": "2021",
          "value": 1122.51
        },
        {
          "year": "2022",
          "value": 1235.52
        },
        {
          "year": "2023",
          "value": 1431.39
        },
        {
          "year": "2024",
          "value": 1680
        },
        {
          "year": "2025",
          "value": 1793
        }
      ],
      "latestYear": "2025",
      "latestValue": 1793,
      "oldestYear": "2019",
      "oldestValue": 1092.38,
      "totalChangePct": 0.6414,
      "yoyChangePct": 0.0673,
      "source": "Auto insurance (annual) — national YoY pattern, state-anchored to 2024"
    },
    "childcareHistory": {
      "label": "Childcare (infant, annual)",
      "trend": [
        {
          "year": "2019",
          "value": 9195.02
        },
        {
          "year": "2020",
          "value": 9363.44
        },
        {
          "year": "2021",
          "value": 9737.1
        },
        {
          "year": "2022",
          "value": 10184.38
        },
        {
          "year": "2023",
          "value": 10659.27
        },
        {
          "year": "2024",
          "value": 11136
        },
        {
          "year": "2025",
          "value": 11688.2
        }
      ],
      "latestYear": "2025",
      "latestValue": 11688.2,
      "oldestYear": "2019",
      "oldestValue": 9195.02,
      "totalChangePct": 0.2711,
      "yoyChangePct": 0.0496,
      "source": "Childcare (infant, annual) — national YoY pattern, state-anchored to 2024"
    },
    "crime": {
      "violentCrimeRate": 394,
      "propertyCrimeRate": 2250,
      "murderRate": 7.5,
      "rapeRate": 35,
      "burglaryRate": 340,
      "autoTheftRate": 270,
      "source": "FBI UCR 2022"
    },
    "climate": {
      "avgAnnualTempF": "52.1",
      "source": "NOAA"
    },
    "migration": {
      "netFlow": 4538,
      "netReturns": 271,
      "netExemptions": 4538,
      "inflowReturns": 119396,
      "outflowReturns": 119125,
      "direction": "gaining",
      "topInbound": [
        "Illinois",
        "Kentucky",
        "Florida",
        "Michigan",
        "Ohio"
      ],
      "topOutbound": [
        "Illinois",
        "Kentucky",
        "Michigan",
        "Florida",
        "Ohio"
      ],
      "topInboundDetails": [
        {
          "state": "Illinois",
          "returns": 8922
        },
        {
          "state": "Kentucky",
          "returns": 3323
        },
        {
          "state": "Florida",
          "returns": 2219
        },
        {
          "state": "Michigan",
          "returns": 2152
        },
        {
          "state": "Ohio",
          "returns": 2121
        }
      ],
      "topOutboundDetails": [
        {
          "state": "Illinois",
          "returns": 7019
        },
        {
          "state": "Kentucky",
          "returns": 2484
        },
        {
          "state": "Michigan",
          "returns": 2273
        },
        {
          "state": "Florida",
          "returns": 2136
        },
        {
          "state": "Ohio",
          "returns": 2012
        }
      ],
      "yearLabel": "2022–2023",
      "source": "IRS SOI Migration Data 2022–2023 (live)"
    },
    "permits": {
      "latest": 2401,
      "latestDate": "2026-06-01",
      "yoy": -0.1929,
      "series": [
        {
          "date": "2024-07-01",
          "value": 2179
        },
        {
          "date": "2024-08-01",
          "value": 2647
        },
        {
          "date": "2024-09-01",
          "value": 2415
        },
        {
          "date": "2024-10-01",
          "value": 2866
        },
        {
          "date": "2024-11-01",
          "value": 2019
        },
        {
          "date": "2024-12-01",
          "value": 2032
        },
        {
          "date": "2025-01-01",
          "value": 2790
        },
        {
          "date": "2025-02-01",
          "value": 2003
        },
        {
          "date": "2025-03-01",
          "value": 2402
        },
        {
          "date": "2025-04-01",
          "value": 2864
        },
        {
          "date": "2025-05-01",
          "value": 2647
        },
        {
          "date": "2025-06-01",
          "value": 2975
        },
        {
          "date": "2025-07-01",
          "value": 2689
        },
        {
          "date": "2025-08-01",
          "value": 2129
        },
        {
          "date": "2025-09-01",
          "value": 2689
        },
        {
          "date": "2025-10-01",
          "value": 2763
        },
        {
          "date": "2025-11-01",
          "value": 1629
        },
        {
          "date": "2025-12-01",
          "value": 1862
        },
        {
          "date": "2026-01-01",
          "value": 1959
        },
        {
          "date": "2026-02-01",
          "value": 1680
        },
        {
          "date": "2026-03-01",
          "value": 2725
        },
        {
          "date": "2026-04-01",
          "value": 2932
        },
        {
          "date": "2026-05-01",
          "value": 2528
        },
        {
          "date": "2026-06-01",
          "value": 2401
        }
      ],
      "source": "Census BPS via FRED"
    },
    "stateUnemployment": {
      "latest": 3.3,
      "latestDate": "2026-06-01",
      "yoyDelta": -0.4,
      "series": [
        {
          "date": "2024-07-01",
          "value": 4.1
        },
        {
          "date": "2024-08-01",
          "value": 4.2
        },
        {
          "date": "2024-09-01",
          "value": 4.2
        },
        {
          "date": "2024-10-01",
          "value": 4.1
        },
        {
          "date": "2024-11-01",
          "value": 4.1
        },
        {
          "date": "2024-12-01",
          "value": 4
        },
        {
          "date": "2025-01-01",
          "value": 3.9
        },
        {
          "date": "2025-02-01",
          "value": 3.8
        },
        {
          "date": "2025-03-01",
          "value": 3.7
        },
        {
          "date": "2025-04-01",
          "value": 3.7
        },
        {
          "date": "2025-05-01",
          "value": 3.7
        },
        {
          "date": "2025-06-01",
          "value": 3.7
        },
        {
          "date": "2025-07-01",
          "value": 3.7
        },
        {
          "date": "2025-08-01",
          "value": 3.7
        },
        {
          "date": "2025-09-01",
          "value": 3.7
        },
        {
          "date": "2025-11-01",
          "value": 3.5
        },
        {
          "date": "2025-12-01",
          "value": 3.5
        },
        {
          "date": "2026-01-01",
          "value": 3.4
        },
        {
          "date": "2026-02-01",
          "value": 3.3
        },
        {
          "date": "2026-03-01",
          "value": 3.3
        },
        {
          "date": "2026-04-01",
          "value": 3.3
        },
        {
          "date": "2026-05-01",
          "value": 3.3
        },
        {
          "date": "2026-06-01",
          "value": 3.3
        }
      ],
      "source": "BLS LAUS via FRED"
    },
    "fhfaHPI": {
      "latest": 529.95,
      "latestDate": "2026-01-01",
      "yoy": 0.0431,
      "peakValue": 529.95,
      "peakDate": "2026-01-01",
      "drawdownFromPeak": 0,
      "series": [
        {
          "date": "2023-04-01",
          "value": 464.03
        },
        {
          "date": "2023-07-01",
          "value": 470.16
        },
        {
          "date": "2023-10-01",
          "value": 472.51
        },
        {
          "date": "2024-01-01",
          "value": 476.4
        },
        {
          "date": "2024-04-01",
          "value": 490.49
        },
        {
          "date": "2024-07-01",
          "value": 498.19
        },
        {
          "date": "2024-10-01",
          "value": 502.6
        },
        {
          "date": "2025-01-01",
          "value": 508.03
        },
        {
          "date": "2025-04-01",
          "value": 515.86
        },
        {
          "date": "2025-07-01",
          "value": 521.67
        },
        {
          "date": "2025-10-01",
          "value": 525.44
        },
        {
          "date": "2026-01-01",
          "value": 529.95
        }
      ],
      "source": "FHFA House Price Index via FRED (quarterly, NSA)"
    },
    "rankings": {
      "medianPrice": {
        "rank": 9,
        "of": 51,
        "pct": 16
      },
      "medianIncome": {
        "rank": 15,
        "of": 50,
        "pct": 29
      },
      "priceToIncome": {
        "rank": 4,
        "of": 50,
        "pct": 6
      },
      "score": {
        "rank": 20,
        "of": 51,
        "pct": 38
      },
      "propertyTaxRate": {
        "rank": 22,
        "of": 50,
        "pct": 43
      },
      "insurancePremium": {
        "rank": 17,
        "of": 50,
        "pct": 33
      },
      "electricityPrice": {
        "rank": 32,
        "of": 50,
        "pct": 63
      },
      "avgMonthlyKwh": {
        "rank": 26,
        "of": 50,
        "pct": 51
      },
      "avgHomeSqft": {
        "rank": 33,
        "of": 50,
        "pct": 65
      },
      "costOfLiving": {
        "rank": 18,
        "of": 50,
        "pct": 35
      },
      "violentCrime": {
        "rank": 28,
        "of": 50,
        "pct": 55
      },
      "propertyCrime": {
        "rank": 26,
        "of": 50,
        "pct": 51
      },
      "murderRate": {
        "rank": 38,
        "of": 50,
        "pct": 76
      },
      "suicideRate": {
        "rank": 27,
        "of": 50,
        "pct": 53
      },
      "healthcareSingle": {
        "rank": 8,
        "of": 50,
        "pct": 14
      },
      "healthcareFamily": {
        "rank": 6,
        "of": 50,
        "pct": 10
      },
      "autoInsurance": {
        "rank": 15,
        "of": 50,
        "pct": 29
      },
      "groceriesAnnual": {
        "rank": 18,
        "of": 50,
        "pct": 35
      },
      "childcareInfant": {
        "rank": 29,
        "of": 50,
        "pct": 57
      },
      "netMigration": {
        "rank": 35,
        "of": 50,
        "pct": 69
      },
      "population": {
        "rank": 34,
        "of": 50,
        "pct": 67
      },
      "medianAge": {
        "rank": 14,
        "of": 50,
        "pct": 27
      },
      "ownershipRate": {
        "rank": 38,
        "of": 50,
        "pct": 76
      },
      "vacancyRate": {
        "rank": 15,
        "of": 50,
        "pct": 29
      },
      "rentBurden": {
        "rank": 19,
        "of": 50,
        "pct": 37
      },
      "fmr2br": {
        "rank": 17,
        "of": 50,
        "pct": 33
      },
      "fmr3br": {
        "rank": 16,
        "of": 50,
        "pct": 31
      },
      "humidity": {
        "rank": 42,
        "of": 50,
        "pct": 84
      },
      "avgTemp": {
        "rank": 28,
        "of": 50,
        "pct": 55
      },
      "affordableJobsPct": {
        "rank": 19,
        "of": 50,
        "pct": 37
      },
      "inventory": {
        "rank": 33,
        "of": 51,
        "pct": 64
      },
      "daysOnMarket": {
        "rank": 8,
        "of": 51,
        "pct": 14
      },
      "sfrYoY": {
        "rank": 31,
        "of": 51,
        "pct": 60
      },
      "condoYoY": {
        "rank": 35,
        "of": 51,
        "pct": 68
      },
      "propertyTypeGap": {
        "rank": 17,
        "of": 51,
        "pct": 32
      },
      "inventorySurplusPct": {
        "rank": 17,
        "of": 51,
        "pct": 32
      },
      "domSpikePct": {
        "rank": 11,
        "of": 51,
        "pct": 20
      },
      "sfrMedianPrice": {
        "rank": 8,
        "of": 51,
        "pct": 14
      },
      "condoMedianPrice": {
        "rank": 13,
        "of": 51,
        "pct": 24
      },
      "zoriRent": {
        "rank": 3,
        "of": 50,
        "pct": 4
      },
      "zoriYoY": {
        "rank": 17,
        "of": 50,
        "pct": 33
      },
      "buyVsRent": {
        "rank": 24,
        "of": 50,
        "pct": 47
      },
      "valueToIncome": {
        "rank": 3,
        "of": 50,
        "pct": 4
      },
      "valueToRent": {
        "rank": 24,
        "of": 50,
        "pct": 47
      },
      "permits": {
        "rank": 34,
        "of": 50,
        "pct": 67
      },
      "permitsYoY": {
        "rank": 6,
        "of": 50,
        "pct": 10
      },
      "stateUnemployment": {
        "rank": 12,
        "of": 50,
        "pct": 22
      }
    },
    "nationalAverages": {
      "medianPrice": {
        "avg": 433990.2,
        "min": 258700,
        "max": 887400,
        "count": 51
      },
      "medianIncome": {
        "avg": 77632.68,
        "min": 54915,
        "max": 101652,
        "count": 50
      },
      "priceToIncome": {
        "avg": 5.44,
        "min": 3.5,
        "max": 9.2,
        "count": 50
      },
      "score": {
        "avg": 40.63,
        "min": 16,
        "max": 65,
        "count": 51
      },
      "propertyTaxRate": {
        "avg": 1.04,
        "min": 0.27,
        "max": 2.23,
        "count": 50
      },
      "insurancePremium": {
        "avg": 2164.7,
        "min": 1120,
        "max": 4334,
        "count": 50
      },
      "electricityPrice": {
        "avg": 17.84,
        "min": 11.81,
        "max": 40.59,
        "count": 50
      },
      "avgMonthlyKwh": {
        "avg": 877.94,
        "min": 506,
        "max": 1176,
        "count": 50
      },
      "avgHomeSqft": {
        "avg": 1757,
        "min": 1350,
        "max": 2000,
        "count": 50
      },
      "costOfLiving": {
        "avg": 96.97,
        "min": 86.937,
        "max": 110.72,
        "count": 50
      },
      "violentCrime": {
        "avg": 378.54,
        "min": 109,
        "max": 838,
        "count": 50
      },
      "propertyCrime": {
        "avg": 2249.68,
        "min": 1250,
        "max": 3410,
        "count": 50
      },
      "murderRate": {
        "avg": 5.56,
        "min": 0.9,
        "max": 12.4,
        "count": 50
      },
      "suicideRate": {
        "avg": 17.17,
        "min": 8,
        "max": 30.5,
        "count": 50
      },
      "healthcareSingle": {
        "avg": 1815.12,
        "min": 1320,
        "max": 2184,
        "count": 50
      },
      "healthcareFamily": {
        "avg": 6145.2,
        "min": 4800,
        "max": 7380,
        "count": 50
      },
      "autoInsurance": {
        "avg": 1955.04,
        "min": 1296,
        "max": 3120,
        "count": 50
      },
      "groceriesAnnual": {
        "avg": 7094.2,
        "min": 6360,
        "max": 8100,
        "count": 50
      },
      "childcareInfant": {
        "avg": 11924.88,
        "min": 6576,
        "max": 21168,
        "count": 50
      },
      "netMigration": {
        "avg": -125.38,
        "min": -145757,
        "max": 102291,
        "count": 50
      },
      "population": {
        "avg": 6634309.22,
        "min": 579761,
        "max": 39242785,
        "count": 50
      },
      "medianAge": {
        "avg": 39.08,
        "min": 31.7,
        "max": 44.8,
        "count": 50
      },
      "ownershipRate": {
        "avg": 0.67,
        "min": 0.5431,
        "max": 0.7431,
        "count": 50
      },
      "vacancyRate": {
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}