48.8/ 100
Stable
US auto market affordability
2016-06-01 10.1 yrs · 124 pts 2026-06-27
Top drivers
new_vehicle_cpi_yoy_pctauto_loan_rate_pctcomposite_z
⌁ mcp.call("adw-042") vADW-042-live-1.0 ← All products
Auto/Consumer · Index Paid
Auto-Market Affordability Index
How affordable is purchasing a new vehicle today relative to recent history?
- Refresh
- monthly
- History
- 10.1 yrs
- Plan
- Paid
Use cases
What it unlocks
⌁
For an agent
An automotive lending agent monitors ADW-042 monthly; when the affordability score falls below 45 (currently 48.8, near the 19th percentile over a 10-year range of 29.7 to 79.3) and auto_loan_rate_pct is rising, it automatically tightens credit-decisioning thresholds for used-vehicle loans, attaches the composite_z and vehicle_price_z fields to the underwriting record for model auditability, and only acts when confidence exceeds 0.75 — ensuring the score shift reflects genuine macro stress rather than a one-month spike.
📈
For the business
A regional auto dealer network's VP of Finance uses ADW-042's affordability_label and new_vehicle_cpi_yoy_pct to decide whether to expand or contract manufacturer incentive programs; the IOM replaces a quarterly consultant report that combined FRED CPI data with Experian loan-rate averages, delivering the same composite signal monthly and allowing the team to react within days of a Fed rate move rather than waiting for the next report cycle.
Forward outlook
Prediction
- Horizon
- —
- Recommended use
- Track auto-market affordability stress. High score = vehicles unaffordable due to price+rate squeeze; anticipate demand pullback. Descriptive, monthly/quarterly lag.
Methodology
How it's built
New Vehicle CPI YoY z-score + 48-mo auto loan rate level z-score; weighted composite (0.6/0.4) vs 36-period window → 0-100
FRED (CUSR0000SETA01, TERMCBAUTO48NS)
Version ADW-042-live-1.0 · validated to beat a naive baseline · benchmark: none
Live response
The object an agent receives
One call returns the answer with its reasoning attached — the live Intelligence Object for ADW-042.
GET /v1/intelligence/adw-042
{
"product_id": "ADW-042",
"entity": "US auto market affordability",
"score": 48.8,
"trend": "stable",
"confidence": 0.82,
"top_drivers": [
{
"factor": "new_vehicle_cpi_yoy_pct",
"contribution": 0.24
},
{
"factor": "auto_loan_rate_pct",
"contribution": 7.36
},
{
"factor": "composite_z",
"contribution": -0.121
}
],
"recommended_use": "Track auto-market affordability stress. High score = vehicles unaffordable due to price+rate squeeze; anticipate demand pullback. Descriptive, monthly/quarterly lag.",
"methodology_version": "ADW-042-live-1.0",
"freshness": "2026-06-27T06:00:13.768Z",
"coverage": "US national (FRED CUSR0000SETA01 + TERMCBAUTO48NS)",
"source_lineage": [
"FRED CUSR0000SETA01 (New Vehicle CPI)",
"FRED TERMCBAUTO48NS (48-mo Auto Loan Rate)"
],
"allowed_use": "informational",
"auto_affordability_score": 48.8,
"affordability_label": "neutral",
"new_vehicle_cpi_yoy_pct": 0.24,
"auto_loan_rate_pct": 7.36,
"vehicle_price_z": -0.169,
"auto_rate_z": -0.048,
"composite_z": -0.121,
"validation_status": "descriptive"
} IOM schema
The agent-callable contract
Every product conforms to the Intelligence Object Model — typed, versioned, and discoverable.
- product_id
- entity
- score
- trend
- confidence
- top_drivers
- prediction_horizon
- recommended_use
- methodology_version
- freshness
- coverage
- source_lineage
- allowed_use
MCP tool: adw.adw_042
Access options
Consume it your way
-
Dashboard
Read the score + drivers in the console.
-
REST API
/v1/intelligence/adw-042
-
MCP tool
adw.adw_042
-
Marketplace
Discoverable by any MCP agent via the MCP registry.
-
White-label
Embed under your own brand (Platinum).
Plan requirement
Depth scales with the plan
- Free Sample object — current score only
- Gold Full drivers + history + confidence
- Platinum White-label + bulk + SLA