{
  "_schema": {
    "name": "The Aspire Gap, by Metro",
    "description": "The Aspire Gap by metro subtracts BLS QCEW wage CAGR from Zillow home-price CAGR over source-stamped trailing ten-year windows, expressed in percentage points — at these assumptions.",
    "license": "CC BY 4.0",
    "columns": [
      "metro_key",
      "metro_label",
      "cbsa",
      "home_cagr",
      "home_start",
      "home_end",
      "wage_cagr",
      "wage_start",
      "wage_end",
      "gap_pp",
      "gap_vs_portfolio_pp",
      "window_mismatch",
      "sources",
      "retrieved"
    ]
  },
  "updated": "2026-07-21",
  "methodology": "gap = home-price CAGR - wage CAGR, source-stamped trailing 10-year windows, percentage points; window_mismatch flags calendar-window differences beyond the disclosed QCEW lag tolerance",
  "rows": [
    {
      "metro_key": "home_charlotte",
      "metro_label": "Charlotte, NC",
      "cbsa": "16740",
      "home_cagr": 7.48,
      "home_start": "2016-04-30",
      "home_end": "2026-04-30",
      "wage_cagr": 4,
      "wage_start": "2014-01-01",
      "wage_end": "2024-12-31",
      "gap_pp": 3.5,
      "gap_vs_portfolio_pp": -7.5,
      "window_mismatch": true,
      "sources": {
        "home": "Zillow ZHVI",
        "wage": "BLS QCEW"
      },
      "retrieved": "2026-07-21"
    },
    {
      "metro_key": "home_detroit",
      "metro_label": "Detroit, MI",
      "cbsa": "19820",
      "home_cagr": 6.77,
      "home_start": "2016-04-30",
      "home_end": "2026-04-30",
      "wage_cagr": 3.25,
      "wage_start": "2014-01-01",
      "wage_end": "2024-12-31",
      "gap_pp": 3.5,
      "gap_vs_portfolio_pp": -8.3,
      "window_mismatch": true,
      "sources": {
        "home": "Zillow ZHVI",
        "wage": "BLS QCEW"
      },
      "retrieved": "2026-07-21"
    },
    {
      "metro_key": "home_kansas_city",
      "metro_label": "Kansas City, MO",
      "cbsa": "28140",
      "home_cagr": 6.95,
      "home_start": "2016-04-30",
      "home_end": "2026-04-30",
      "wage_cagr": 3.51,
      "wage_start": "2014-01-01",
      "wage_end": "2024-12-31",
      "gap_pp": 3.4,
      "gap_vs_portfolio_pp": -8.1,
      "window_mismatch": true,
      "sources": {
        "home": "Zillow ZHVI",
        "wage": "BLS QCEW"
      },
      "retrieved": "2026-07-21"
    },
    {
      "metro_key": "home_memphis",
      "metro_label": "Memphis, TN",
      "cbsa": "32820",
      "home_cagr": 6.59,
      "home_start": "2016-04-30",
      "home_end": "2026-04-30",
      "wage_cagr": 3.21,
      "wage_start": "2014-01-01",
      "wage_end": "2024-12-31",
      "gap_pp": 3.4,
      "gap_vs_portfolio_pp": -8.4,
      "window_mismatch": true,
      "sources": {
        "home": "Zillow ZHVI",
        "wage": "BLS QCEW"
      },
      "retrieved": "2026-07-21"
    },
    {
      "metro_key": "home_columbus",
      "metro_label": "Columbus, OH",
      "cbsa": "18140",
      "home_cagr": 6.96,
      "home_start": "2016-04-30",
      "home_end": "2026-04-30",
      "wage_cagr": 3.63,
      "wage_start": "2014-01-01",
      "wage_end": "2024-12-31",
      "gap_pp": 3.3,
      "gap_vs_portfolio_pp": -8.1,
      "window_mismatch": true,
      "sources": {
        "home": "Zillow ZHVI",
        "wage": "BLS QCEW"
      },
      "retrieved": "2026-07-21"
    },
    {
      "metro_key": "home_las_vegas",
      "metro_label": "Las Vegas, NV",
      "cbsa": "29820",
      "home_cagr": 7.22,
      "home_start": "2016-04-30",
      "home_end": "2026-04-30",
      "wage_cagr": 3.96,
      "wage_start": "2014-01-01",
      "wage_end": "2024-12-31",
      "gap_pp": 3.3,
      "gap_vs_portfolio_pp": -7.8,
      "window_mismatch": true,
      "sources": {
        "home": "Zillow ZHVI",
        "wage": "BLS QCEW"
      },
      "retrieved": "2026-07-21"
    },
    {
      "metro_key": "home_cincinnati",
      "metro_label": "Cincinnati, OH",
      "cbsa": "17140",
      "home_cagr": 6.74,
      "home_start": "2016-04-30",
      "home_end": "2026-04-30",
      "wage_cagr": 3.41,
      "wage_start": "2014-01-01",
      "wage_end": "2024-12-31",
      "gap_pp": 3.3,
      "gap_vs_portfolio_pp": -8.3,
      "window_mismatch": true,
      "sources": {
        "home": "Zillow ZHVI",
        "wage": "BLS QCEW"
      },
      "retrieved": "2026-07-21"
    },
    {
      "metro_key": "home_atlanta",
      "metro_label": "Atlanta, GA",
      "cbsa": "12060",
      "home_cagr": 7,
      "home_start": "2016-04-30",
      "home_end": "2026-04-30",
      "wage_cagr": 3.75,
      "wage_start": "2014-01-01",
      "wage_end": "2024-12-31",
      "gap_pp": 3.2,
      "gap_vs_portfolio_pp": -8,
      "window_mismatch": true,
      "sources": {
        "home": "Zillow ZHVI",
        "wage": "BLS QCEW"
      },
      "retrieved": "2026-07-21"
    },
    {
      "metro_key": "home_indianapolis",
      "metro_label": "Indianapolis, IN",
      "cbsa": "26900",
      "home_cagr": 7.23,
      "home_start": "2016-04-30",
      "home_end": "2026-04-30",
      "wage_cagr": 4.03,
      "wage_start": "2014-01-01",
      "wage_end": "2024-12-31",
      "gap_pp": 3.2,
      "gap_vs_portfolio_pp": -7.8,
      "window_mismatch": true,
      "sources": {
        "home": "Zillow ZHVI",
        "wage": "BLS QCEW"
      },
      "retrieved": "2026-07-21"
    },
    {
      "metro_key": "home_hartford",
      "metro_label": "Hartford, CT",
      "cbsa": "25540",
      "home_cagr": 6.03,
      "home_start": "2016-04-30",
      "home_end": "2026-04-30",
      "wage_cagr": 2.91,
      "wage_start": "2014-01-01",
      "wage_end": "2024-12-31",
      "gap_pp": 3.1,
      "gap_vs_portfolio_pp": -9,
      "window_mismatch": true,
      "sources": {
        "home": "Zillow ZHVI",
        "wage": "BLS QCEW"
      },
      "retrieved": "2026-07-21"
    },
    {
      "metro_key": "home_cleveland",
      "metro_label": "Cleveland, OH",
      "cbsa": "17460",
      "home_cagr": 6.64,
      "home_start": "2016-04-30",
      "home_end": "2026-04-30",
      "wage_cagr": 3.5,
      "wage_start": "2014-01-01",
      "wage_end": "2024-12-31",
      "gap_pp": 3.1,
      "gap_vs_portfolio_pp": -8.4,
      "window_mismatch": true,
      "sources": {
        "home": "Zillow ZHVI",
        "wage": "BLS QCEW"
      },
      "retrieved": "2026-07-21"
    },
    {
      "metro_key": "home_buffalo",
      "metro_label": "Buffalo, NY",
      "cbsa": "15380",
      "home_cagr": 7.21,
      "home_start": "2016-04-30",
      "home_end": "2026-04-30",
      "wage_cagr": 4.09,
      "wage_start": "2014-01-01",
      "wage_end": "2024-12-31",
      "gap_pp": 3.1,
      "gap_vs_portfolio_pp": -7.8,
      "window_mismatch": true,
      "sources": {
        "home": "Zillow ZHVI",
        "wage": "BLS QCEW"
      },
      "retrieved": "2026-07-21"
    },
    {
      "metro_key": "home_tampa",
      "metro_label": "Tampa, FL",
      "cbsa": "45300",
      "home_cagr": 7.23,
      "home_start": "2016-04-30",
      "home_end": "2026-04-30",
      "wage_cagr": 4.41,
      "wage_start": "2014-01-01",
      "wage_end": "2024-12-31",
      "gap_pp": 2.8,
      "gap_vs_portfolio_pp": -7.8,
      "window_mismatch": true,
      "sources": {
        "home": "Zillow ZHVI",
        "wage": "BLS QCEW"
      },
      "retrieved": "2026-07-21"
    },
    {
      "metro_key": "home_nashville",
      "metro_label": "Nashville, TN",
      "cbsa": "34980",
      "home_cagr": 7,
      "home_start": "2016-04-30",
      "home_end": "2026-04-30",
      "wage_cagr": 4.34,
      "wage_start": "2014-01-01",
      "wage_end": "2024-12-31",
      "gap_pp": 2.7,
      "gap_vs_portfolio_pp": -8,
      "window_mismatch": true,
      "sources": {
        "home": "Zillow ZHVI",
        "wage": "BLS QCEW"
      },
      "retrieved": "2026-07-21"
    },
    {
      "metro_key": "home_jacksonville",
      "metro_label": "Jacksonville, FL",
      "cbsa": "27260",
      "home_cagr": 6.67,
      "home_start": "2016-04-30",
      "home_end": "2026-04-30",
      "wage_cagr": 3.95,
      "wage_start": "2014-01-01",
      "wage_end": "2024-12-31",
      "gap_pp": 2.7,
      "gap_vs_portfolio_pp": -8.4,
      "window_mismatch": true,
      "sources": {
        "home": "Zillow ZHVI",
        "wage": "BLS QCEW"
      },
      "retrieved": "2026-07-21"
    },
    {
      "metro_key": "home_phoenix",
      "metro_label": "Phoenix, AZ",
      "cbsa": "38060",
      "home_cagr": 6.73,
      "home_start": "2016-04-30",
      "home_end": "2026-04-30",
      "wage_cagr": 4.1,
      "wage_start": "2014-01-01",
      "wage_end": "2024-12-31",
      "gap_pp": 2.6,
      "gap_vs_portfolio_pp": -8.3,
      "window_mismatch": true,
      "sources": {
        "home": "Zillow ZHVI",
        "wage": "BLS QCEW"
      },
      "retrieved": "2026-07-21"
    },
    {
      "metro_key": "home_riverside",
      "metro_label": "Riverside, CA",
      "cbsa": "40140",
      "home_cagr": 6.62,
      "home_start": "2016-04-30",
      "home_end": "2026-04-30",
      "wage_cagr": 4,
      "wage_start": "2014-01-01",
      "wage_end": "2024-12-31",
      "gap_pp": 2.6,
      "gap_vs_portfolio_pp": -8.4,
      "window_mismatch": true,
      "sources": {
        "home": "Zillow ZHVI",
        "wage": "BLS QCEW"
      },
      "retrieved": "2026-07-21"
    },
    {
      "metro_key": "home_salt_lake",
      "metro_label": "Salt Lake City, UT",
      "cbsa": "41620",
      "home_cagr": 7.32,
      "home_start": "2016-04-30",
      "home_end": "2026-04-30",
      "wage_cagr": 4.79,
      "wage_start": "2014-01-01",
      "wage_end": "2024-12-31",
      "gap_pp": 2.5,
      "gap_vs_portfolio_pp": -7.7,
      "window_mismatch": true,
      "sources": {
        "home": "Zillow ZHVI",
        "wage": "BLS QCEW"
      },
      "retrieved": "2026-07-21"
    },
    {
      "metro_key": "home_richmond",
      "metro_label": "Richmond, VA",
      "cbsa": "40060",
      "home_cagr": 6.23,
      "home_start": "2016-04-30",
      "home_end": "2026-04-30",
      "wage_cagr": 3.7,
      "wage_start": "2014-01-01",
      "wage_end": "2024-12-31",
      "gap_pp": 2.5,
      "gap_vs_portfolio_pp": -8.8,
      "window_mismatch": true,
      "sources": {
        "home": "Zillow ZHVI",
        "wage": "BLS QCEW"
      },
      "retrieved": "2026-07-21"
    },
    {
      "metro_key": "home_orlando",
      "metro_label": "Orlando, FL",
      "cbsa": "36740",
      "home_cagr": 6.87,
      "home_start": "2016-04-30",
      "home_end": "2026-04-30",
      "wage_cagr": 4.34,
      "wage_start": "2014-01-01",
      "wage_end": "2024-12-31",
      "gap_pp": 2.5,
      "gap_vs_portfolio_pp": -8.2,
      "window_mismatch": true,
      "sources": {
        "home": "Zillow ZHVI",
        "wage": "BLS QCEW"
      },
      "retrieved": "2026-07-21"
    },
    {
      "metro_key": "home_miami",
      "metro_label": "Miami, FL",
      "cbsa": "33100",
      "home_cagr": 6.91,
      "home_start": "2016-04-30",
      "home_end": "2026-04-30",
      "wage_cagr": 4.54,
      "wage_start": "2014-01-01",
      "wage_end": "2024-12-31",
      "gap_pp": 2.4,
      "gap_vs_portfolio_pp": -8.1,
      "window_mismatch": true,
      "sources": {
        "home": "Zillow ZHVI",
        "wage": "BLS QCEW"
      },
      "retrieved": "2026-07-21"
    },
    {
      "metro_key": "home_oklahoma_city",
      "metro_label": "Oklahoma City, OK",
      "cbsa": "36420",
      "home_cagr": 5.27,
      "home_start": "2016-04-30",
      "home_end": "2026-04-30",
      "wage_cagr": 2.92,
      "wage_start": "2014-01-01",
      "wage_end": "2024-12-31",
      "gap_pp": 2.4,
      "gap_vs_portfolio_pp": -9.8,
      "window_mismatch": true,
      "sources": {
        "home": "Zillow ZHVI",
        "wage": "BLS QCEW"
      },
      "retrieved": "2026-07-21"
    },
    {
      "metro_key": "home_san_diego",
      "metro_label": "San Diego, CA",
      "cbsa": "41740",
      "home_cagr": 6.21,
      "home_start": "2016-04-30",
      "home_end": "2026-04-30",
      "wage_cagr": 3.89,
      "wage_start": "2014-01-01",
      "wage_end": "2024-12-31",
      "gap_pp": 2.3,
      "gap_vs_portfolio_pp": -8.8,
      "window_mismatch": true,
      "sources": {
        "home": "Zillow ZHVI",
        "wage": "BLS QCEW"
      },
      "retrieved": "2026-07-21"
    },
    {
      "metro_key": "home_louisville",
      "metro_label": "Louisville, KY",
      "cbsa": "31140",
      "home_cagr": 6.13,
      "home_start": "2016-04-30",
      "home_end": "2026-04-30",
      "wage_cagr": 3.87,
      "wage_start": "2014-01-01",
      "wage_end": "2024-12-31",
      "gap_pp": 2.3,
      "gap_vs_portfolio_pp": -8.9,
      "window_mismatch": true,
      "sources": {
        "home": "Zillow ZHVI",
        "wage": "BLS QCEW"
      },
      "retrieved": "2026-07-21"
    },
    {
      "metro_key": "home_la",
      "metro_label": "Los Angeles, CA",
      "cbsa": "31080",
      "home_cagr": 6.06,
      "home_start": "2016-04-30",
      "home_end": "2026-04-30",
      "wage_cagr": 3.89,
      "wage_start": "2014-01-01",
      "wage_end": "2024-12-31",
      "gap_pp": 2.2,
      "gap_vs_portfolio_pp": -9,
      "window_mismatch": true,
      "sources": {
        "home": "Zillow ZHVI",
        "wage": "BLS QCEW"
      },
      "retrieved": "2026-07-21"
    },
    {
      "metro_key": "home_dallas",
      "metro_label": "Dallas, TX",
      "cbsa": "19100",
      "home_cagr": 5.89,
      "home_start": "2016-04-30",
      "home_end": "2026-04-30",
      "wage_cagr": 3.65,
      "wage_start": "2014-01-01",
      "wage_end": "2024-12-31",
      "gap_pp": 2.2,
      "gap_vs_portfolio_pp": -9.1,
      "window_mismatch": true,
      "sources": {
        "home": "Zillow ZHVI",
        "wage": "BLS QCEW"
      },
      "retrieved": "2026-07-21"
    },
    {
      "metro_key": "home_st_louis",
      "metro_label": "St. Louis, MO",
      "cbsa": "41180",
      "home_cagr": 5.52,
      "home_start": "2016-04-30",
      "home_end": "2026-04-30",
      "wage_cagr": 3.49,
      "wage_start": "2014-01-01",
      "wage_end": "2024-12-31",
      "gap_pp": 2,
      "gap_vs_portfolio_pp": -9.5,
      "window_mismatch": true,
      "sources": {
        "home": "Zillow ZHVI",
        "wage": "BLS QCEW"
      },
      "retrieved": "2026-07-21"
    },
    {
      "metro_key": "home_houston",
      "metro_label": "Houston, TX",
      "cbsa": "26420",
      "home_cagr": 4.42,
      "home_start": "2016-04-30",
      "home_end": "2026-04-30",
      "wage_cagr": 2.55,
      "wage_start": "2014-01-01",
      "wage_end": "2024-12-31",
      "gap_pp": 1.9,
      "gap_vs_portfolio_pp": -10.6,
      "window_mismatch": true,
      "sources": {
        "home": "Zillow ZHVI",
        "wage": "BLS QCEW"
      },
      "retrieved": "2026-07-21"
    },
    {
      "metro_key": "home_raleigh",
      "metro_label": "Raleigh, NC",
      "cbsa": "39580",
      "home_cagr": 6.06,
      "home_start": "2016-04-30",
      "home_end": "2026-04-30",
      "wage_cagr": 4.24,
      "wage_start": "2014-01-01",
      "wage_end": "2024-12-31",
      "gap_pp": 1.8,
      "gap_vs_portfolio_pp": -9,
      "window_mismatch": true,
      "sources": {
        "home": "Zillow ZHVI",
        "wage": "BLS QCEW"
      },
      "retrieved": "2026-07-21"
    },
    {
      "metro_key": "home_nyc",
      "metro_label": "New York, NY",
      "cbsa": "35620",
      "home_cagr": 5.19,
      "home_start": "2016-04-30",
      "home_end": "2026-04-30",
      "wage_cagr": 3.44,
      "wage_start": "2014-01-01",
      "wage_end": "2024-12-31",
      "gap_pp": 1.7,
      "gap_vs_portfolio_pp": -9.8,
      "window_mismatch": true,
      "sources": {
        "home": "Zillow ZHVI",
        "wage": "BLS QCEW"
      },
      "retrieved": "2026-07-21"
    },
    {
      "metro_key": "home_boston",
      "metro_label": "Boston, MA",
      "cbsa": "14460",
      "home_cagr": 5.78,
      "home_start": "2016-04-30",
      "home_end": "2026-04-30",
      "wage_cagr": 4.11,
      "wage_start": "2014-01-01",
      "wage_end": "2024-12-31",
      "gap_pp": 1.7,
      "gap_vs_portfolio_pp": -9.2,
      "window_mismatch": true,
      "sources": {
        "home": "Zillow ZHVI",
        "wage": "BLS QCEW"
      },
      "retrieved": "2026-07-21"
    },
    {
      "metro_key": "home_chicago",
      "metro_label": "Chicago, IL",
      "cbsa": "16980",
      "home_cagr": 5.18,
      "home_start": "2016-04-30",
      "home_end": "2026-04-30",
      "wage_cagr": 3.56,
      "wage_start": "2014-01-01",
      "wage_end": "2024-12-31",
      "gap_pp": 1.6,
      "gap_vs_portfolio_pp": -9.8,
      "window_mismatch": true,
      "sources": {
        "home": "Zillow ZHVI",
        "wage": "BLS QCEW"
      },
      "retrieved": "2026-07-21"
    },
    {
      "metro_key": "home_minneapolis",
      "metro_label": "Minneapolis, MN",
      "cbsa": "33460",
      "home_cagr": 4.91,
      "home_start": "2016-04-30",
      "home_end": "2026-04-30",
      "wage_cagr": 3.4,
      "wage_start": "2014-01-01",
      "wage_end": "2024-12-31",
      "gap_pp": 1.5,
      "gap_vs_portfolio_pp": -10.1,
      "window_mismatch": true,
      "sources": {
        "home": "Zillow ZHVI",
        "wage": "BLS QCEW"
      },
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