• 1 ARĤVA - Residential Real Estate Analysis Software Application


    Adkins Capital Management (ACM) specializes in residential real estate analysis. ACM utilizes a direct-to-consumer business model in order to provide prospective home buyers with access to an Internet-based residential real estate analysis software application. ACM provides analytical commentary covering the policy events and trends in the residential housing market.

  • 2 ARĤVA - Residential Real Estate Analysis Software Application


    The Adkins Residential Home Valuation Analyzer (ARĤVA) is an Internet-based residential real estate analysis software application that allows prospective home buyers to conduct a comprehensive, accurate, automated, user-friendly, and affordable residential real estate analysis. By utilizing the ARĤVA software application, prospective home buyers can make a prudent home purchase decision.

  • 3 ARĤVA - Residential Real Estate Analysis Software Application


    The ARĤVA software application utilizes proprietary finance-based analytical methodology in order to accurately assess the level of underpricing or overpricing of homes in a community. The ARĤVA software application utilizes proprietary expense-based analytical methodology in order to accurately assess the costs associated with owning a home.

  • 5 ARĤVA - Residential Real Estate Analysis Software Application


    ARĤVA allows prospective home buyers to conduct a price-level analysis of homes in their community. ARĤVA calculates the percentage of pre-tax household income that would have to be spent in order to justify the price-level of homes in the community. ARĤVA calculates the mortgage loan interest rate that justifies the price-level of homes in the community.

  • 5 ARĤVA - Residential Real Estate Analysis Software Application


    ARĤVA allows prospective home buyers to analyze the seven costs associated with owning a home. ARĤVA calculates total home ownership costs as a percentage of household income. ARĤVA calculates how much a home needs to appreciate in value each year in order to offset the costs associated with owning the home.

Adkins Capital Management, LLC (ACM) is a privately owned and independently operated company. ACM was founded by an English American in New York City. ACM is incorporated in the State of New York and utilizes a proprietary cloud-based operating system that is based in the State of California.

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The Adkins Residential Home Valuation Analyzer (ARĤVA) is an Internet-based residential real estate analysis software application. The ARĤVA software application allows prospective home buyers to make a prudent home purchase decision.

Learn more about ARĤVA…

Read sample ARĤVA report...

As the founder and owner of Adkins Capital Management, Mr. Adkins has written more than 20 published articles that address a wide range of educational topics, including residential real estate, raw land development, retirement, investment products, and financial analysis.

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The ARĤVA software application is available on a real-time basis via a web-based application that is accessible from your home computer.

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The ARĤVA software application is available to the public via an annual subscription fee.

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Video Presentations


Home Price Index

The purpose of the Adkins 60 City Home Price Index is to provide an assessment of the home price level for 60 of the major cities in the U.S. For purposes of this assessment, home price levels were based on the relationship between the median household income and the median home price level in each city, the assumption that no more than 28% of household income should be spent in order to repay the principal and interest costs for a mortgage loan, and the most recent month-ending national average mortgage loan interest rate for a 30-year fully-amortized fixed-rate loan.
City Name Median Household Income Median Home Price Home Price Level
Albuquerque, NM $43,606 $186,100 Underpriced
Anchorage, AK $72,813 $284,600 Underpriced
Atlanta, GA $43,903 $190,300 Underpriced
Baltimore, MD $38,721 $154,400 Underpriced
Billings, MT $43,530 $173,900 Underpriced
Birmingham, AL $28,646 $85,900 Underpriced
Boise, ID $41,474 $169,700 Underpriced
Boston, MA $49,081 $364,300 Overpriced
Bridgeport, CT $35,379 $189,700 Overpriced
Buffalo, NY $29,158 $67,000 Underpriced
Burlington, VT $40,773 $263,218 Overpriced
Charleston, SC $49,284 $232,100 Underpriced
Charlotte, NC $50,177 $167,400 Underpriced
Cheyenne, WY $51,813 $165,879 Underpriced
Chicago, IL $43,628 $228,300 Overpriced
Cincinnati, OH $31,301 $122,500 Underpriced
Cleveland, OH $25,371 $76,600 Underpriced
Dallas, TX $40,585 $122,800 Underpriced
Denver, CO $47,371 $247,800 Overpriced
Des Moines, IA $44,813 $117,900 Underpriced
Detroit, MI $25,193 $50,200 Underpriced
Fargo, ND $44,611 $150,900 Underpriced
Honolulu, HI $57,479 $628,938 Overpriced
Houston, TX $42,877 $122,100 Underpriced
Huntington, WV $29,750 $98,755 Underpriced
Indianapolis, IN $39,015 $116,300 Underpriced
Jackson, MS $31,370 $86,700 Underpriced
Kansas City, MO $43,810 $133,800 Underpriced
Las Vegas, NV $46,995 $153,200 Underpriced
Little Rock, AR $40,976 $151,900 Underpriced
Los Angeles, CA $46,148 $438,300 Overpriced
Louisville, KY $33,175 $119,763 Underpriced
Manchaster, NH $51,082 $209,700 Underpriced
Memphis, TN $34,960 $96,000 Underpriced
Miami, FL $28,536 $186,800 Overpriced
Milwaukee, WI $33,122 $131,300 Underpriced
Minneapolis, MN $46,682 $199,100 Underpriced
Nashville, TN $42,639 $161,600 Underpriced
New Orleans, LA $35,041 $185,400 Overpriced
New York City, NY $49,461 $490,900 Overpriced
Newark, NJ $31,731 $243,200 Overpriced
Oklahoma City, OK $42,955 $135,200 Underpriced
Omaha, NE $45,536 $130,900 Underpriced
Philadelphia, PA $34,207 $142,000 Underpriced
Phoenix, AZ $43,960 $137,500 Underpriced
Pittsburgh, PA $35,947 $90,500 Underpriced
Portland, ME $43,788 $223,100 Overpriced
Portland, OR $47,033 $275,500 Overpriced
Providence, RI $37,856 $186,800 Overpriced
Richmond, VA $38,926 $193,300 Overpriced
Saint Louis, MO $32,570 $120,500 Underpriced
Salt Lake City, UT $41,588 $225,600 Overpriced
San Diego, CA $60,797 $429,200 Overpriced
San Francisco, CA $69,894 $719,800 Overpriced
Seattle, WA $61,037 $420,400 Overpriced
Sioux Falls, SD $50,470 $153,400 Underpriced
Tampa, FL $40,073 $148,000 Underpriced
Washington, DC $63,124 $422,400 Overpriced
Wichita, KS $44,184 $119,900 Underpriced
Wilmington, DE $38,325 $171,000 Underpriced