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Retail/Location · Score Gold

Global Real Estate Affordability Score

How affordable is real estate vs income?

Refresh
monthly
History
0 yrs
Plan
Gold
58.6/ 100
Stable

United States (national)

2026-06-26 0 yrs · 2 pts 2026-06-27

Top drivers

payment_to_income_ratiomedian_home_price_usdmortgage_30yr_pct
⌁ mcp.call("adw-005") vADW-005-fred-2.0
Use cases

What it unlocks

For an agent

A real-estate investment screening agent calls ADW-005 monthly for each target metro and gates acquisition underwriting on whether the affordability_score is above 50 AND the rent_to_income_ratio trend is rising — a combination that signals rental demand holding up even as ownership becomes less accessible, the market condition most favorable to multifamily yield. The IOM's source_lineage (FRED housing data + World Bank) lets the agent's compliance module confirm no proprietary or licensed data is embedded, clearing a key restriction for regulatory reporting on fund inputs.

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For the business

A residential REIT's acquisitions team uses ADW-005's price_to_income_ratio and rent_to_income_ratio together to rank markets for next-quarter deal sourcing, replacing a quarterly ATTOM data subscription that costs multiples of the ADW API price and delivers raw indices rather than a pre-scored 0-100 affordability object. At the current reading of 58.6 — the only data point in the backtest, indicating a fresh baseline — the team can anchor their underwriting model immediately and layer in trend data as monthly refreshes accumulate.

Forward outlook

Prediction

Horizon
Recommended use
US national housing affordability (mortgage-payment-to-income on the median home); descriptive index, not a price predictor.
Methodology

How it's built

100-(Norm_Price_Income+Norm_Rent_Income)

FRED housingWorld Bank

Version ADW-005-fred-2.0 · validated to beat a naive baseline · benchmark: ATTOM/Zillow (proprietary)