Enter your own home price, income, and rate. Use this when automated price data is stale, when you have a specific property in mind, or to run the RHVA analysis on data from Zillow, Redfin, or any current source.
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Live rate: 6.36% — Use this rate
ACM Affordability Assessment
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Income Used
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Justified Rate
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Monthly Payment
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Justified Price
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Required Income
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Income Gap
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Methodology Justified Rate — rate at which this home is exactly affordable at 28% of income. Justified Price — max price affordable at your income & rate at 28%. Required Income — annual income so payment equals 28% of gross income. Income Gap — surplus (green) or deficit (red) vs required income.
Home Price Sources
● Realtor.com Median Listing Price — metro-specific, updated monthly via FRED, lags ~6 weeks. Listing prices are typically 2–5% above final sale prices.
● Zillow ZHVI (state-level) — fallback where Realtor.com does not publish a metro series. State-wide average; less precise.
○ Stale (>60 days) — data has not refreshed recently. Use the Calculator tab to enter a current price from Zillow, Redfin, or Realtor.com.
Income & Rate
Median Household Income — Census Bureau ACS 5-year estimates by MSA. Updated annually. Most recent: 2023 ACS.
30-Year Mortgage Rate — Freddie Mac PMMS via FRED. Updated weekly. Current: 6.36%
About the RHVA Methodology
The Adkins Residential Home Valuation Analyzer (RHVA) methodology evaluates whether home prices are affordable relative to local household income at the prevailing mortgage rate. The 28% threshold is based on conventional mortgage underwriting guidelines. All calculations use the standard 30-year fixed-rate amortization formula with a binary search algorithm to derive the Justified Rate.