{
  "version": "2026-05",
  "source": "FinanceRateCalc.com",
  "cities": [
    {
      "city": "San Francisco",
      "state": "CA",
      "median_home": 1250000,
      "median_income": 115000,
      "property_tax": 0.0074,
      "income_needed": 278000,
      "pct_affordable": 6,
      "category": "crisis"
    },
    {
      "city": "New York",
      "state": "NY",
      "median_home": 800000,
      "median_income": 70000,
      "property_tax": 0.0088,
      "income_needed": 193000,
      "pct_affordable": 7,
      "category": "crisis"
    },
    {
      "city": "Los Angeles",
      "state": "CA",
      "median_home": 890000,
      "median_income": 71000,
      "property_tax": 0.0072,
      "income_needed": 206000,
      "pct_affordable": 8,
      "category": "crisis"
    },
    {
      "city": "Miami",
      "state": "FL",
      "median_home": 680000,
      "median_income": 68000,
      "property_tax": 0.0097,
      "income_needed": 181000,
      "pct_affordable": 11,
      "category": "crisis"
    },
    {
      "city": "Seattle",
      "state": "WA",
      "median_home": 780000,
      "median_income": 92000,
      "property_tax": 0.0093,
      "income_needed": 187000,
      "pct_affordable": 14,
      "category": "crisis"
    },
    {
      "city": "Boston",
      "state": "MA",
      "median_home": 720000,
      "median_income": 85000,
      "property_tax": 0.0107,
      "income_needed": 178000,
      "pct_affordable": 15,
      "category": "crisis"
    },
    {
      "city": "Denver",
      "state": "CO",
      "median_home": 560000,
      "median_income": 75000,
      "property_tax": 0.0055,
      "income_needed": 121000,
      "pct_affordable": 28,
      "category": "stressed"
    },
    {
      "city": "Austin",
      "state": "TX",
      "median_home": 580000,
      "median_income": 72000,
      "property_tax": 0.0195,
      "income_needed": 148000,
      "pct_affordable": 18,
      "category": "crisis"
    },
    {
      "city": "Chicago",
      "state": "IL",
      "median_home": 340000,
      "median_income": 65000,
      "property_tax": 0.0213,
      "income_needed": 97000,
      "pct_affordable": 38,
      "category": "stressed"
    },
    {
      "city": "Atlanta",
      "state": "GA",
      "median_home": 420000,
      "median_income": 68000,
      "property_tax": 0.0083,
      "income_needed": 97000,
      "pct_affordable": 35,
      "category": "stressed"
    },
    {
      "city": "Phoenix",
      "state": "AZ",
      "median_home": 420000,
      "median_income": 65000,
      "property_tax": 0.0062,
      "income_needed": 92000,
      "pct_affordable": 38,
      "category": "stressed"
    },
    {
      "city": "Dallas",
      "state": "TX",
      "median_home": 380000,
      "median_income": 65000,
      "property_tax": 0.0195,
      "income_needed": 108000,
      "pct_affordable": 32,
      "category": "stressed"
    },
    {
      "city": "Houston",
      "state": "TX",
      "median_home": 320000,
      "median_income": 61000,
      "property_tax": 0.0195,
      "income_needed": 93000,
      "pct_affordable": 42,
      "category": "stressed"
    },
    {
      "city": "Charlotte",
      "state": "NC",
      "median_home": 390000,
      "median_income": 67000,
      "property_tax": 0.0085,
      "income_needed": 90000,
      "pct_affordable": 40,
      "category": "stressed"
    },
    {
      "city": "Nashville",
      "state": "TN",
      "median_home": 480000,
      "median_income": 68000,
      "property_tax": 0.0058,
      "income_needed": 103000,
      "pct_affordable": 30,
      "category": "stressed"
    },
    {
      "city": "Columbus",
      "state": "OH",
      "median_home": 280000,
      "median_income": 58000,
      "property_tax": 0.0147,
      "income_needed": 82000,
      "pct_affordable": 52,
      "category": "moderate"
    },
    {
      "city": "Indianapolis",
      "state": "IN",
      "median_home": 260000,
      "median_income": 55000,
      "property_tax": 0.0085,
      "income_needed": 64000,
      "pct_affordable": 58,
      "category": "moderate"
    },
    {
      "city": "Pittsburgh",
      "state": "PA",
      "median_home": 230000,
      "median_income": 57000,
      "property_tax": 0.0139,
      "income_needed": 69000,
      "pct_affordable": 61,
      "category": "moderate"
    },
    {
      "city": "Memphis",
      "state": "TN",
      "median_home": 210000,
      "median_income": 47000,
      "property_tax": 0.0096,
      "income_needed": 53000,
      "pct_affordable": 62,
      "category": "moderate"
    },
    {
      "city": "Rochester",
      "state": "MN",
      "median_home": 280000,
      "median_income": 70000,
      "property_tax": 0.011,
      "income_needed": 72000,
      "pct_affordable": 72,
      "category": "affordable"
    },
    {
      "city": "San Antonio",
      "state": "TX",
      "median_home": 280000,
      "median_income": 55000,
      "property_tax": 0.0195,
      "income_needed": 85000,
      "pct_affordable": 48,
      "category": "moderate"
    },
    {
      "city": "Kansas City",
      "state": "MO",
      "median_home": 265000,
      "median_income": 58000,
      "property_tax": 0.0115,
      "income_needed": 68000,
      "pct_affordable": 57,
      "category": "moderate"
    }
  ]
}