{
    "report":  "Housing Affordability Index 2026",
    "snapshot_at":  "2026-07-14T12:20:36.567Z",
    "universe":  "Ocity city database; population \u003e 50,000, positive median home price and median income, median income \u003e $30,000",
    "row_count":  582,
    "derived_metrics":  {
                            "average_city_rent":  1410,
                            "average_city_home_price":  508668,
                            "average_city_income":  81621,
                            "average_city_price_to_income":  5.99
                        },
    "methodology":  [
                        "Price-to-income is median_home_price_usd divided by median_income for each tracked city row.",
                        "Headline PTI is the arithmetic mean of city-level PTI values, not a national median.",
                        "Rent burden is annual rent_1br_usd divided by annual median_income; it is a screening indicator, not an observed household rent-burden measure.",
                        "State summaries are unweighted means of tracked city rows, not state-level Census estimates."
                    ],
    "limitations":  [
                        "City database fields may reflect different source years and do not form one synchronized federal release.",
                        "This snapshot does not establish individual affordability, household outcomes, housing causes of migration or policy effects.",
                        "Editorial PTI bands are screening labels, not universal official categories."
                    ],
    "downloads":  {
                      "csv_sha256":  "c9beff9360a699a90f9df5a13eeeb039046f10c712adb27c5c7c9d9b8c1438eb",
                      "json_sha256":  "3c9d6112676fb3d5cf9ba1c4d7ffa90edcb918683910a61fe80b443cbcf5115b"
                  }
}