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How affordable is this community?
Live- ACS 5-year estimates · B19013, B25082, B25090 · 2010–2024
- Zillow ZHVI
- FRED 30-year fixed mortgage rate
- HUD Income Limits · FY 2025
- Insurance premium rates (CommunityScale)
- User-adjustable assumptions
- Congressional Budget Office CBO Per Capita Wage Growth · Per capita wage growth
- Federal Reserve FRED 30-Year Mortgage Rate · 30-year mortgage rate
- U.S. Bureau of Labor Statistics BLS CPI-U Inflation Ratios · Consumer price inflation factors
- U.S. Census Bureau ACS 5-Year Estimates · B01001, B19001, B19013, B19113 +7 more ACS Public Use Microdata Sample (PUMS), 5-Year · Household records, Person records, Puerto Rico household records, Puerto Rico person records Census Address Count Listing · Address counts, December 2025 LEHD Origin-Destination Employment Statistics (LODES) · Block crosswalk
- U.S. Department of Housing and Urban Development HUD Income Limits · Income limits
- U.S. Department of the Treasury Homeowners Insurance Premiums by ZIP Code · Premiums by ZIP code
- Zillow Zillow Housing Data · Home values and rents by ZIP code
- Geography Geographic Crosswalks · Place to county, Tract crosswalk across Census years, ZIP code to ZCTA NTAD Metropolitan Planning Organizations · Metropolitan planning organizations TIGER/Line Boundaries · Boundaries
- CommunityScale Data CommunityScale App Datasets · Average homeowners insurance rates, Home values by geography, Household type by age group, Households by income band +3 more CommunityScale Population Forecasts · County population forecasts, Municipality population forecasts
This chart tracks whether housing prices are keeping pace with local incomes. The gap between what homes cost and what households can afford reveals affordability trends over time.
| $410,762 | Typical home price (Zillow, Sep 2026) |
| 7.33% | 30-year fixed mortgage rate (Freddie Mac, Oct 2026) |
| 2.11% | Effective property tax rate |
| $1,253 | Average annual homeowner's insurance |
| $82,162 | Median household income (Census, 2026) |
| 30% | Assumed max housing cost share of income |
Enter your household income and adjust assumptions to see what you could afford to buy in this community, compared to typical local prices. The calculator defaults to the current local median income, mortgage rate, and other financial assumptions factored into the housing affordability chart above.
How is the population changing?
Live- Census Population Estimates Program (PEP) · 2010–2025
- ACS 5-year estimates · B01001 · 2010–2024
- CommunityScale population projection model
- U.S. Census Bureau ACS 5-Year Estimates · B01001
- Geography Geographic Crosswalks · Tract crosswalk across Census years NTAD Metropolitan Planning Organizations · Metropolitan planning organizations TIGER/Line Boundaries · Boundaries
- CommunityScale Data CommunityScale App Datasets · Population forecast summary CommunityScale Population Forecasts · County population forecasts, Municipality population forecasts
Population growth patterns reveal how communities are evolving. This chart shows historical population changes by age group and projects future trends based on demographic patterns.
Population change since a baseline year, broken out by age group. Each line shows the net gain or loss for one cohort, revealing which groups are driving growth or decline.
The share of people aged 25-34 indicates the pipeline of workers entering the labor force, while the share aged 65+ shows the pace of retirement. Comparing these trends reveals whether communities face a tightening or expanding labor supply.
Historical population comes from the U.S. Census Bureau's Population Estimates Program (PEP): counties directly from PEP's annual estimates by age, and municipalities from PEP sub-county totals with age detail from the American Community Survey (ACS). Projections use CommunityScale's PEP-anchored cohort-migration forecast model.
The model follows each five-year age cohort through the community's 2010–2024 population history and projects those cohort trends forward, launching from the most recent PEP estimate (2025). Group-quarters residents — college dorms, prisons, military barracks, nursing facilities — do not follow household demographics, so they are separated out, projected on their own trend, and added back. In small communities, where year-to-year cohort data is noisy, the model blends each cohort's trend toward the community's recent overall trend to keep projections stable.
How is the job market changing?
Live- U.S. Census Bureau ACS 5-Year Estimates · B01001 LEHD Origin-Destination Employment Statistics (LODES) · Block crosswalk, Jobs by workplace block
- Geography CommunityScale App Datasets · Geography name index NTAD Metropolitan Planning Organizations · Metropolitan planning organizations TIGER/Line Boundaries · Boundaries
- CommunityScale Data CommunityScale App Datasets · Job growth
Total job counts over time show how employment opportunities are growing or shrinking in a community. Comparing across geographies reveals which areas are attracting the most new employment.
Jobs grouped into four broad sector categories show the economic composition of a community.
Wage ranges for common occupations show how local pay compares across sectors. Bars show the 25th to 75th percentile annual salary range, with the median marked.
Job counts are derived from the LEHD LODES Workplace Area Characteristics (WAC) dataset published by the US Census Bureau.
How are households changing by income?
Live- ACS 5-year estimates · B25007, B01001, B19001, B19113 · 2010–2024
- HUD Income Limits · FY 2025
- BLS CPI-U · 2010–2024
- Census PUMS 5-year · 2019–2023
- Congressional Budget Office CBO Per Capita Wage Growth · Per capita wage growth
- U.S. Bureau of Labor Statistics BLS CPI-U Inflation Ratios · Consumer price inflation factors
- U.S. Census Bureau ACS 5-Year Estimates · B01001, B19001, B19113, B25001 +6 more ACS Public Use Microdata Sample (PUMS), 5-Year · Household records, Person records, Puerto Rico household records, Puerto Rico person records Census Address Count Listing · Address counts, December 2025 LEHD Origin-Destination Employment Statistics (LODES) · Block crosswalk
- U.S. Department of Housing and Urban Development HUD Income Limits · Income limits
- U.S. Department of the Treasury Homeowners Insurance Premiums by ZIP Code · Premiums by ZIP code
- Zillow Zillow Housing Data · Home values and rents by ZIP code
- Geography Geographic Crosswalks · Tract crosswalk across Census years, ZIP code to ZCTA NTAD Metropolitan Planning Organizations · Metropolitan planning organizations TIGER/Line Boundaries · Boundaries
- CommunityScale Data CommunityScale App Datasets · Average homeowners insurance rates, Home values by geography, Household type by age group, Households by income band +3 more CommunityScale Population Forecasts · County population forecasts, Municipality population forecasts
Understanding how households at different income levels are growing or declining helps identify which groups face the greatest housing pressure and where new housing is most needed.
| AMI Group | Income Range | Households |
|---|---|---|
| <30% AMI | <$35K | 10,643 |
| 30-50% AMI | $35K - $59K | 7,578 |
| 50-80% AMI | $59K - $94K | 8,235 |
| 80-100% AMI | $94K - $118K | 4,226 |
| 100-120% AMI | $118K - $142K | 2,873 |
| >120% AMI | >$142K | 9,834 |
Household change since a baseline year, broken out by income group. Each line shows the net gain or loss for one income bracket, revealing which groups are driving household growth or decline.
Who lives here today?
Live- ACS 5-year estimates · B19001, B19037, B19113, B19131 · 2020–2024
- HUD Income Limits · FY 2025
- Congressional Budget Office CBO Per Capita Wage Growth · Per capita wage growth
- U.S. Census Bureau ACS 5-Year Estimates · B01001, B19001, B19001A, B19001B +11 more
- U.S. Department of Housing and Urban Development HUD Income Limits · Income limits
- Geography CommunityScale App Datasets · Geography name index Geographic Crosswalks · Tract crosswalk across Census years NTAD Metropolitan Planning Organizations · Metropolitan planning organizations TIGER/Line Boundaries · Boundaries
- CommunityScale Data CommunityScale App Datasets · Housing characteristics, Population forecast by age CommunityScale Population Forecasts · County population forecasts, Municipality population forecasts
Households may have different structure type preferences depending on characteristics such as household size, income, employment, presence of children, age of individuals, and lifestyle choices. Understanding the housing stock in corresponding terms helps assess how well existing units align with existing households' ideals.
This chart shows how household composition has changed over time, comparing the distribution of household types between 2015 and 2023. Changes in household types can indicate shifting demographics and evolving housing needs in a community.
Cost burden measures the share of household income spent on housing. Households paying more than 30% are considered cost burdened, while those paying more than 50% are severely cost burdened. Lower-income households typically face the highest rates of cost burden.
Cost burdened households pay 30% or more of their income on housing. Severely cost burdened households pay 50% or more. Tracking these rates over time shows whether affordability is improving or worsening. Toggle between combined (Total), Homeowners, and Renters to see how burden differs by tenure.