Adkins Capital Management LLC
ACM Metro Housing Scorecard
Adkins Valuation Methodology · 271 U.S. Metro Areas · Live FRED + Census Data
☶ Property Affordability Analyzer — Manual RHVA Calculator
Enter your own numbers — useful when automated price data is stale or you have a specific property in mind. Results are based entirely on your inputs.
ACM Rating:Underpriced (≤22%)Fair Value (22–28%)Overpriced (28–38%)Severely Overpriced (>38%)
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Adkins Valuation Methodology (RHVA) — Income Used: % of gross monthly income consumed by the home price mortgage at the live rate. Above 28% = unaffordable. Justified Rate: The 30-yr rate at which the home price is exactly affordable at 28% of median income. Justified Price: Max affordable price at the live rate and 28% threshold. Required Income: Annual income so payment equals exactly 28% of gross income. Data Notes: Realtor.com Median Listing Price (MEDLISPRI via FRED) is metro-specific, updated monthly. Listing price ~2–5% above sale price. Zillow ZHVI state-level used as fallback. For stale data use the Manual Calculator above.
Realtor.com via FRED (primary) & Zillow ZHVI via FRED (fallback) · Freddie Mac PMMS · Census ACS 5-Year · Refreshed every 6 hoursFRED ↗ | Census ACS ↗