Affordability model · educational

What the typical home actually costs in 16 cities

Set a down payment, rate, and term; the model computes monthly principal-and-interest on each city's typical home value (Zillow ZHVI, June 2026) with typical rent alongside for the own-vs-rent view. An educational model of the market's midpoint — not a quote, not lending advice, and it excludes taxes, insurance, and HOA.

Down payment: 20% Interest rate: 6.50%

Term

City	Typical value	Monthly P&I	Typical rent

Sources: U.S. Census Bureau Vintage 2024 estimates · Zillow ZHVI/ZORI June 2026 · OSRM commute grid 2026-08-09 · full methodology

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The Fit Engine weighs price against your commute — for buyers or renters.

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The full table at your settings, delivered — with updates when the value data refreshes.