Adkins Capital Management
Housing Market Scorecard
Adkins Residential Valuation Methodology · 60 U.S. Cities
ACM Rating:
Underpriced (≤22%) — 0% (0)
Fair Value (22–28%) — 10% (6)
Overpriced (28–38%) — 38% (23)
Severely Overpriced (>38%) — 52% (31)
Showing 60 of 60 cities · Click column to sort
| CityMetro Area | Median IncomeHousehold | State ZHVIZillow via FRED | MoMChange | YoYChange | ACM RatingValuation | Income Used@ Live Rate | Justified Rate@ Median Income | Justified Price@ Live Rate | Req. Income@ Live Rate |
|---|---|---|---|---|---|---|---|---|---|
| Albuquerque, NM | $65,604 | $317K | ▲ 0.28% | ▲ 1.01% | Overpriced | 36.1%+8.1 pts | ▼ 4.10%-2.26 pts vs live | $246K$71K vs ZHVI | $84,557$19K vs median |
| Anchorage, AK | $98,200 | $388K | ▲ 0.5% | ▲ 4.47% | Overpriced | 29.5%+1.5 pts | ▼ 5.87%-0.49 pts vs live | $368K$20K vs ZHVI | $103,480$5K vs median |
| Atlanta, GA | $81,938 | $332K | ▼ 0.01% | ▼ 1.49% | Overpriced | 30.3%+2.3 pts | ▼ 5.63%-0.73 pts vs live | $307K$25K vs ZHVI | $88,645$7K vs median |
| Baltimore, MD | $59,623 | $430K | ▲ 0.06% | ▲ 0.17% | Severely Overpriced | 53.9%+25.9 pts | ▼ 1.05%-5.31 pts vs live | $223K$206K vs ZHVI | $114,711$55K vs median |
| Billings, MT | $71,855 | $467K | ▲ 0.29% | ▲ 1.14% | Severely Overpriced | 48.6%+20.6 pts | ▼ 1.79%-4.57 pts vs live | $269K$198K vs ZHVI | $124,645$53K vs median |
| Birmingham, AL | $44,376 | $236K | ▲ 0.37% | ▲ 0.78% | Severely Overpriced | 39.8%+11.8 pts | ▼ 3.30%-3.06 pts vs live | $166K$70K vs ZHVI | $63,122$19K vs median |
| Boise, ID | $81,308 | $473K | ▼ 0.07% | ▲ 1.29% | Severely Overpriced | 43.5%+15.5 pts | ▼ 2.61%-3.75 pts vs live | $305K$169K vs ZHVI | $126,358$45K vs median |
| Boston, MA | $94,755 | $657K | ▲ 0.11% | ▲ 1.58% | Severely Overpriced | 51.8%+23.8 pts | ▼ 1.32%-5.04 pts vs live | $355K$302K vs ZHVI | $175,305$81K vs median |
| Bridgeport, CT | $56,584 | $436K | ▲ 0.4% | ▲ 4.7% | Severely Overpriced | 57.6%+29.6 pts | ▼ 0.58%-5.78 pts vs live | $212K$224K vs ZHVI | $116,500$60K vs median |
| Buffalo, NY | $48,050 | $508K | ▲ 0.52% | ▲ 4.82% | Severely Overpriced | 79.0%+51.0 pts | ▼ 0.0000%-6.36 pts vs live | $180K$328K vs ZHVI | $135,557$88K vs median |
| Burlington, VT | $68,854 | $394K | ▲ 0.56% | ▲ 1.04% | Severely Overpriced | 42.8%+14.8 pts | ▼ 2.74%-3.62 pts vs live | $258K$136K vs ZHVI | $105,189$36K vs median |
| Charleston, SC | $90,038 | $304K | ▲ 0.24% | ▲ 0.08% | Fair Value | 25.2%-2.8 pts | ▲ 7.38%+1.02 pts vs live | $337K+$33K vs ZHVI | $81,176+$9K vs median |
| Charlotte, NC | $78,438 | $336K | ▲ 0.13% | ▼ 0.42% | Overpriced | 32.1%+4.1 pts | ▼ 5.12%-1.24 pts vs live | $294K$43K vs ZHVI | $89,805$11K vs median |
| Cheyenne, WY | $77,176 | $363K | ▲ 0.32% | ▲ 1.36% | Overpriced | 35.2%+7.2 pts | ▼ 4.32%-2.04 pts vs live | $289K$74K vs ZHVI | $96,964$20K vs median |
| Chicago, IL | $75,134 | $286K | ▲ 0.43% | ▲ 4.78% | Overpriced | 28.4%+0.4 pts | ▼ 6.22%-0.14 pts vs live | $281K$4K vs ZHVI | $76,278$1K vs median |
| Cincinnati, OH | $51,707 | $242K | ▲ 0.36% | ▲ 3.41% | Overpriced | 35.0%+7.0 pts | ▼ 4.36%-2.00 pts vs live | $194K$48K vs ZHVI | $64,640$13K vs median |
| Cleveland, OH | $39,187 | $242K | ▲ 0.36% | ▲ 3.41% | Severely Overpriced | 46.2%+18.2 pts | ▼ 2.16%-4.20 pts vs live | $147K$95K vs ZHVI | $64,640$25K vs median |
| Dallas, TX | $67,760 | $301K | ▼ 0.1% | ▼ 2.19% | Overpriced | 33.2%+5.2 pts | ▼ 4.81%-1.55 pts vs live | $254K$47K vs ZHVI | $80,341$13K vs median |
| Denver, CO | $91,681 | $542K | ▼ 0.39% | ▼ 2.4% | Severely Overpriced | 44.2%+16.2 pts | ▼ 2.49%-3.87 pts vs live | $343K$198K vs ZHVI | $144,646$53K vs median |
| Des Moines, IA | $63,966 | $232K | ▲ 0.33% | ▲ 3.68% | Fair Value | 27.1%-0.9 pts | ▲ 6.69%+0.33 pts vs live | $240K+$8K vs ZHVI | $61,822+$2K vs median |
| Detroit, MI | $38,100 | $260K | ▲ 0.39% | ▲ 4.05% | Severely Overpriced | 51.0%+23.0 pts | ▼ 1.44%-4.92 pts vs live | $143K$117K vs ZHVI | $69,369$31K vs median |
| Fargo, ND | $92,843 | $284K | ▲ 0.43% | ▲ 5.3% | Fair Value | 22.9%-5.1 pts | ▲ 8.41%+2.05 pts vs live | $348K+$64K vs ZHVI | $75,835+$17K vs median |
| Honolulu, HI | $104,264 | $833K | ▲ 0.13% | ▼ 1.16% | Severely Overpriced | 59.7%+31.7 pts | ▼ 0.34%-6.02 pts vs live | $391K$442K vs ZHVI | $222,363$118K vs median |
| Houston, TX | $62,894 | $301K | ▼ 0.1% | ▼ 2.19% | Overpriced | 35.8%+7.8 pts | ▼ 4.18%-2.18 pts vs live | $236K$65K vs ZHVI | $80,341$17K vs median |
| Huntington, WV | $43,146 | $174K | ▲ 0.46% | ▲ 0.87% | Overpriced | 30.2%+2.2 pts | ▼ 5.65%-0.71 pts vs live | $162K$13K vs ZHVI | $46,560$3K vs median |
| Indianapolis, IN | $62,995 | $254K | ▲ 0.34% | ▲ 2.83% | Overpriced | 30.2%+2.2 pts | ▼ 5.67%-0.69 pts vs live | $236K$18K vs ZHVI | $67,838$5K vs median |
| Jackson, MS | $42,336 | $193K | ▲ 0.7% | ▲ 0.59% | Overpriced | 34.1%+6.1 pts | ▼ 4.59%-1.77 pts vs live | $159K$34K vs ZHVI | $51,497$9K vs median |
| Kansas City, MO | $67,449 | $263K | ▲ 0.28% | ▲ 2.51% | Overpriced | 29.2%+1.2 pts | ▼ 5.98%-0.38 pts vs live | $253K$10K vs ZHVI | $70,219$3K vs median |
| Las Vegas, NV | $70,723 | $447K | ▼ 0.12% | ▼ 1.98% | Severely Overpriced | 47.2%+19.2 pts | ▼ 1.99%-4.37 pts vs live | $265K$182K vs ZHVI | $119,292$49K vs median |
| Little Rock, AR | $60,583 | $222K | ▲ 0.46% | ▲ 2.48% | Fair Value | 27.4%-0.6 pts | ▲ 6.57%+0.21 pts vs live | $227K+$5K vs ZHVI | $59,277+$1K vs median |
| Los Angeles, CA | $87,800 | $775K | ▼ 0.09% | ▼ 1.37% | Severely Overpriced | 65.9%+37.9 pts | ▼ 0.0000%-6.36 pts vs live | $329K$446K vs ZHVI | $206,777$119K vs median |
| Louisville, KY | $63,100 | $232K | ▲ 0.17% | ▲ 0.33% | Fair Value | 27.5%-0.5 pts | ▲ 6.54%+0.18 pts vs live | $236K+$4K vs ZHVI | $61,905+$1K vs median |
| Manchester, NH | $77,415 | $507K | ▲ 0.07% | ▲ 2.74% | Severely Overpriced | 49.0%+21.0 pts | ▼ 1.73%-4.63 pts vs live | $290K$217K vs ZHVI | $135,438$58K vs median |
| Memphis, TN | $51,211 | $334K | ▲ 0.21% | ▲ 0.09% | Severely Overpriced | 48.7%+20.7 pts | ▼ 1.77%-4.59 pts vs live | $192K$142K vs ZHVI | $89,069$38K vs median |
| Miami, FL | $59,390 | $376K | ▲ 0.03% | ▼ 4.16% | Severely Overpriced | 47.3%+19.3 pts | ▼ 1.99%-4.37 pts vs live | $222K$153K vs ZHVI | $100,284$41K vs median |
| Milwaukee, WI | $62,100 | $330K | ▲ 0.51% | ▲ 5.37% | Severely Overpriced | 39.7%+11.7 pts | ▼ 3.32%-3.04 pts vs live | $233K$98K vs ZHVI | $88,140$26K vs median |
| Minneapolis, MN | $80,269 | $347K | ▲ 0.21% | ▲ 2.68% | Overpriced | 32.3%+4.3 pts | ▼ 5.06%-1.30 pts vs live | $301K$46K vs ZHVI | $92,544$12K vs median |
| Nashville, TN | $75,197 | $334K | ▲ 0.21% | ▲ 0.09% | Overpriced | 33.2%+5.2 pts | ▼ 4.82%-1.54 pts vs live | $282K$52K vs ZHVI | $89,069$14K vs median |
| New Orleans, LA | $55,339 | $212K | ▲ 0.46% | ▲ 0.35% | Overpriced | 28.6%+0.6 pts | ▼ 6.16%-0.20 pts vs live | $207K$4K vs ZHVI | $56,496$1K vs median |
| New York City, NY | $79,713 | $508K | ▲ 0.52% | ▲ 4.82% | Severely Overpriced | 47.6%+19.6 pts | ▼ 1.93%-4.43 pts vs live | $299K$209K vs ZHVI | $135,557$56K vs median |
| Newark, NJ | $48,416 | $569K | ▲ 0.43% | ▲ 3.51% | Severely Overpriced | 87.9%+59.9 pts | ▼ 0.0000%-6.36 pts vs live | $181K$388K vs ZHVI | $152,006$104K vs median |
| Oklahoma City, OK | $66,702 | $220K | ▲ 0.26% | ▲ 1.97% | Fair Value | 24.7%-3.3 pts | ▲ 7.60%+1.24 pts vs live | $250K+$29K vs ZHVI | $58,854+$8K vs median |
| Omaha, NE | $72,708 | $276K | ▲ 0.22% | ▲ 3.26% | Overpriced | 28.4%+0.4 pts | ▼ 6.22%-0.14 pts vs live | $272K$4K vs ZHVI | $73,812$1K vs median |
| Philadelphia, PA | $60,698 | $283K | ▲ 0.19% | ▲ 2.47% | Overpriced | 34.8%+6.8 pts | ▼ 4.40%-1.96 pts vs live | $227K$55K vs ZHVI | $75,477$15K vs median |
| Phoenix, AZ | $77,041 | $423K | ▼ 0.04% | ▼ 1.83% | Severely Overpriced | 41.1%+13.1 pts | ▼ 3.06%-3.30 pts vs live | $289K$135K vs ZHVI | $113,009$36K vs median |
| Pittsburgh, PA | $64,137 | $283K | ▲ 0.19% | ▲ 2.47% | Overpriced | 33.0%+5.0 pts | ▼ 4.88%-1.48 pts vs live | $240K$42K vs ZHVI | $75,477$11K vs median |
| Portland, ME | $76,174 | $408K | ▲ 0.26% | ▲ 0.63% | Severely Overpriced | 40.0%+12.0 pts | ▼ 3.27%-3.09 pts vs live | $285K$122K vs ZHVI | $108,801$33K vs median |
| Portland, OR | $88,792 | $499K | ▼ 0.14% | ▼ 0.74% | Severely Overpriced | 42.0%+14.0 pts | ▼ 2.88%-3.48 pts vs live | $333K$166K vs ZHVI | $133,210$44K vs median |
| Providence, RI | $78,200 | $499K | ▲ 0.24% | ▲ 2.93% | Severely Overpriced | 47.7%+19.7 pts | ▼ 1.92%-4.44 pts vs live | $293K$206K vs ZHVI | $133,282$55K vs median |
| Richmond, VA | $62,671 | $412K | ▲ 0.13% | ▲ 1.62% | Severely Overpriced | 49.2%+21.2 pts | ▼ 1.69%-4.67 pts vs live | $235K$178K vs ZHVI | $110,109$47K vs median |
| Saint Louis, MO | $55,300 | $263K | ▲ 0.28% | ▲ 2.51% | Overpriced | 35.6%+7.6 pts | ▼ 4.23%-2.13 pts vs live | $207K$56K vs ZHVI | $70,219$15K vs median |
| Salt Lake City, UT | $74,925 | $538K | ▼ 0.12% | ▲ 1.9% | Severely Overpriced | 53.7%+25.7 pts | ▼ 1.07%-5.29 pts vs live | $281K$257K vs ZHVI | $143,570$69K vs median |
| San Diego, CA | $104,321 | $775K | ▼ 0.09% | ▼ 1.37% | Severely Overpriced | 55.5%+27.5 pts | ▼ 0.84%-5.52 pts vs live | $391K$384K vs ZHVI | $206,777$102K vs median |
| San Francisco, CA | $141,400 | $775K | ▼ 0.09% | ▼ 1.37% | Severely Overpriced | 40.9%+12.9 pts | ▼ 3.08%-3.28 pts vs live | $530K$245K vs ZHVI | $206,777$65K vs median |
| Seattle, WA | $121,984 | $601K | ▼ 0.21% | ▼ 0.53% | Overpriced | 36.8%+8.8 pts | ▼ 3.93%-2.43 pts vs live | $457K$144K vs ZHVI | $160,443$38K vs median |
| Sioux Falls, SD | $74,714 | $317K | ▲ 0.33% | ▲ 2.72% | Overpriced | 31.7%+3.7 pts | ▼ 5.21%-1.15 pts vs live | $280K$37K vs ZHVI | $84,664$10K vs median |
| Tampa, FL | $71,302 | $376K | ▲ 0.03% | ▼ 4.16% | Severely Overpriced | 39.4%+11.4 pts | ▼ 3.39%-2.97 pts vs live | $267K$109K vs ZHVI | $100,284$29K vs median |
| Washington, DC | $108,200 | $583K | ▼ 0.34% | ▼ 2.95% | Severely Overpriced | 40.3%+12.3 pts | ▼ 3.21%-3.15 pts vs live | $405K$178K vs ZHVI | $155,656$47K vs median |
| Wichita, KS | $63,072 | $245K | ▲ 0.21% | ▲ 3.26% | Overpriced | 29.0%+1.0 pts | ▼ 6.03%-0.33 pts vs live | $236K$8K vs ZHVI | $65,340$2K vs median |
| Wilmington, DE | $54,731 | $403K | ▲ 0.1% | ▲ 1.82% | Severely Overpriced | 55.0%+27.0 pts | ▼ 0.90%-5.46 pts vs live | $205K$198K vs ZHVI | $107,553$53K vs median |