Adkins Capital Management LLC
ACM 60-City Housing Market Scorecard
Adkins Valuation Methodology · Live FRED Data · 60 Markets
ACM Rating:Underpriced (≤22%)Fair Value (22–28%)Overpriced (28–38%)Severely Overpriced (>38%)
Showing 60 of 60 cities · Click any column header to sort
| City | Median Income | State ZHVIZillow via FRED | MoM % | YoY % | ACM Rating | Income Used% of income @ live rate | Justified RateRate making ZHVI affordable | Justified Home PriceMax affordable @ 28% income | Required IncomeTo afford ZHVI @ live rate |
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Adkins Valuation Methodology — Justified Rate: The 30-yr fixed rate at which ZHVI is exactly affordable at 28% of median income. Above live rate = underpriced; below = overpriced. Income Used: % of gross monthly income consumed by ZHVI mortgage at the live rate. Above 28% = unaffordable. Justified Home Price: Maximum home price affordable at the live rate with median income at the 28% threshold. Green = ZHVI is below this price (undervalued); red = ZHVI exceeds this price. Required Income: Annual income needed for the ZHVI mortgage to equal exactly 28% of gross income at the live rate. Green = median income meets this threshold; red = median income falls short.